IMO, USA = Coinbase and Circle for most folks. I use Circle for bitcoin buys because it is faster & cheaper than Coinbase for me. However, I do like Coinbase for holding some funds because you can link your bitcoin balance to a Visa debit card and spend your cryptomoney anywhere! When BTC price is actively moving up, I buy stuff with bitcoins for an instant discount. If it is flat or trending down, I use my regular inflationary dollars which are always losing value--although so slowly that only those paying attention notice. Most of us frogs don't notice the water is slowly boiling.