I would describe #3 more generally by saying that holding BTC creates an opportunity cost, unique to each person's circumstances. Some more reasons: 4. Lower

I would describe #3 more generally by saying that holding BTC creates an opportunity cost, unique to each person's circumstances. Some more reasons: 4. Lower transaction cost (especially for international transactions) 5. If you want to help out the merchant, he may get a lower transaction cost out of it too (if the alternative is credit card, for instance). Edit: Oh, and let's not forget the spend-and-replenish BTC strategy to keep your BTC holdings fixed.