Bitpay worked great and gave me and a lot of others great freedom until they changed to their new model for deposits.   Now it is worthless.    Cryptos are a great idea.   The problem is we are basing it all around the first one to be the medium of exchange between cryptos and between crypto and fiat and its fees and speeds suck compared to other cryptos.    There are other cryptos picking up that role that do the job better, and have much much lower fees.   I'll be switching to one of those for when I need fiat.