Bitcoin's growing perception as a "store of value" has diminished its viability for everyday payments. As investors increasingly view it as digital gold, its price volatility and high transaction fees discourage small, routine transactions. Scalability issues, like slow confirmation times, further hinder its use for quick purchases. While solutions like the Lightning Network aim to improve speed and cost, adoption remains low. Merchants accepting Bitcoin are also scarce, partly due to tax complexities and regulatory uncertainty. Consequently, Bitcoin is more often held as a speculative asset than used for daily transactions, limiting its practical payment utility.