Are there any exchanges that allow you to actually but at spot price? Ive never used coinbase or anything like this, The only place ive ever bought is localbitcoins and its always well over spot price and then theres lbts fees on top of that as well. With the prices the way they are i dont really want to be spending more than i have to when buying.
There is no practice of using future prices of bitcoin for any purposes. Almost all the exchanges are quoting spot prices only, interestingly only very few exchanges are having provisions to trade bitcoin futures. So, I believe, you will be able to buy bitcoins at spot prices at any exchanges.