With regards to thinking in fiat or btc. I tend to think in terms of GBP as that is how I spend at present and I do not see it as a given that BTC will also be the ultimate store of value. Having said that the increased use of crypto credit/debit cards might change this in the future perhaps for some. Also all those noughts. Really! I would end up paying 100X what I thought I was paying.

We also need to be a little careful though not hedging into types of assets just in case there is a problem with internet or cryptos either legally or structurally. I would advocate that people use their full yearly shares ISA allowance where they can comfortably afford it and then use dividend compounding as in years to come the power of this is fantastic and also it will all be tax free and more importantly comparatively worry free. It also has long history of working (admittedly not as quickly as cryptos) and through many market crashes. If people start saving early enough then this method provides easily enough for their retirement plans without the gambling element of cryptos with the risk that that element could spill into other aspects of their lives. A brilliant tool to see the effect of compounding is https://www.dividendladder.com/tools/dividend-calculator/ . Plug your projected crypto profits into this and it is frightening.