“But my favourite pho stop doesn't except bitcoin, and I have never asked them a second time”

Gresham's law explains most of what you see: people spend the weaker money and hoard the harder one, and that is exactly what a fiat salary and a bitcoin stack produce. Then the tax code does the rest. Spending bitcoin is a disposal, so a coffee bought with it needs a capital gain calculation, while the card purchase costs nothing but interest. The behaviour you call larp is the rational answer to those two rules. Where your point lands is the borrowing. Debt in a debasing currency, secured by collateral that can halve, is a bet that the collateral holds until you sell. That bet has nothing to do with whether bitcoin is money.