exchanges is always to convert ... but, when always use bitcoin ... you don't need to convert even if you paid employees in bitcoin.
but for now, you must "lost 30%" in echange to transform BTC in local currency (and wait 1h for this process).

you can answer by a question :

- do you trust the government to save people ? (or save us only ...)

...     then, trust BTC instead ... 

80% in BTC, the rest in bank account for the "live" bills ...
when i need money, i change BTC to paypal ... and it's ok.

no need card bank (50 euros per year).

Good point ... but i talk about the "popular account" like to old a amount of sum for a car or a (little) house ... the economy of 15 years, for example.

Yes, in my country too, i must have a bank account to receive payment (tracfin powaaa).

Virwox ... is fast compare to other "big" exchange platform.

but ... it cost a "very high cost" to do this :

- you have money on bank account
- you can use credit card ... but blocked at 120 euros per day (600 per month, yep !)
- you can use paypal and other "money ticket" ... same restriction

then ... when you have choose

- Eur in SLL
- SSL to BTC

But ... in all this process, you have LOOSE to 8-16% of the initial money.  
That why virwox is always here.

---

At the maximum security control, virwox can old money or BTC for during 3 days (to verify paypal/credit card or identity).
randomly control, then, have been applied (like every 2 weeks).

number 5 ... fail    



like a big bang theory series ...   this picture  

  it's a real question.

1) have you manager of your bank have do something for you (like a rabat) ?
2) does the government have make something for you that it explain the tax on your hard money gain (by work ?)

... so, bitcoin ... it's for me, the only way leave this business "die".
bank save nothing, it's crash and it will crash more quickly than you expect.

simple question : how many Hash/s ?




because i have asic USB miner after discovery the "small power" of my gaming machine ... after 1 week.

trust is a rule in the internet main area ... specially with professionnal seller.
regular buyer don't trust any seller for a first action.

bitcoin don't change that ... it change the certification of the buyer (in the mind of the seller).

and that, it's very good !

to react about the first post ... it's right, the only way to keep is bitcoin is the "bitcoin-QT" application with the 15Go of associate blockchain folder.

i use only android app with nothing more like 100 Euros (200mBTC).

well, it's not so easy ... compared to other specific board like P2P software creation work or P2P security IP list ...