You just made a very valid point here. Even I experience this inertia while trying to get some crypto. The other day I wanted to buy bitcoin cash but I have other crypto coins. The stress of selling one for bitcoin before using bitcoin to purchase bitcoin cash from a different exchange made me shelve it.
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It gets even worse if you are trying to jump in when a coin is heating up and the price feels like it is quickly running away from you.
You are right.