Crypto holders, how do you actually spend your coins online?

I everyone,

Something I’ve always been curious about.

A lot of people hold BTC, ETH, or other coins, but when it comes to actually spending crypto online, it still feels a bit complicated.

Some people convert to fiat, others use exchanges, and recently I started hearing about crypto virtual cards that let you pay on normal websites.

I came across a service called BitLily (BitLily.io) that claims you can fund a virtual card with crypto and use it for online payments.

So I wanted to ask the community:

• Do you actually spend your crypto or just hold it?
• Have you tried crypto VCC cards before?
• Are they reliable for subscriptions or online shopping?

Curious to hear real experiences from people here.