Before we begin, you must understand the individual is to be self responsible. Bitcoin as well as many Cryptocurrencies are Decentralized, however companies are not. Is this not the problem you are facing? What is required here is a decentralized thinking.

The Wallet

The Wallet must never be a centralized wallet. It is imperative you never use Coinbase or any other wallet that has a centralized company at the forefront.

Your wallet must be able to be kept on your person, and you must have your private keys and seeds stored and available to you. The reason for this is clear the coins are never truly stored on your device as the criminals would want you to believe. If you want to know the basics then I suggest reading this article:

https://www.publish0x.com/my-crypto-info/truly-understanding-bitcoin-and-the-blockchain-xpzvyqv

Now back to the wallet. The wallet must be non custodial and must be not by a company Most use basic private wallets.

Now with this being said, remember the key here is to be your own bank, this means exactly what it states you never keep your currency in a centralized location, you always carry your bank in your pocket.

Time to Think Different

Now when you want to spend your Bitcoin, or Litecoin all you have to do is use the gift cards. Yes there is a Mastercard Giftcard, but let us just take an example.

Now you are going on a date and you want to go to Red Lobster, this is easy you take your wallet open up a giftcard App and send your coins to purchase a Red Lobster Gift-card. You pay for a $500.00 Gift Card, now you have the card and go on the date.

When the meal is complete you have a $190.00 tab, great take the gift-card on your mobile device to the register they scan it bill is paid.

In conclusion, Bitcoin is and always will be decentralized, it is you that must think in a decentralized way. You must start to think in terms of self reliance instead of relying on others.