One more thing: with fees, volatility, and most shops still pricing in dollars, is Bitcoin actually ready for daily use? Or is it still just "digital gold" that's better to hold than to spend on coffee?

Thanks for your reply, but don't the current inverted yield curve and rate cut expectations mean that locking in the highest guaranteed yield now with a Jumbo CD is the smarter long-term hedge for U.S. investors?

The rise in Jumbo CD yields leads to the dilemma: Should I invest a significant amount in one long-term CD or distribute it among various shorter-term accounts for flexibility?