If I bought a battery and put it away for later, I would never claim I was "using" the battery. The battery represents a potential to do work. The battery could fail, get stolen, or maybe by the time I decide I want to use it, batteries have become obsolete altogether.
The actual use of the battery is when I take it out of the drawer and put it somewhere that it will perform actual work for me. When the battery is consumed, we say it's "spent."
HODL coins are like a battery. They represent an action potential. The money has not been "used" until it is performing work.
TLDR hodling is not using money. Saving money is speculating on its future use /utility.
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source https://www.reddit.com/r/btc/comments/awrb2l/if_hodling_is_using_bitcoin_then_buying_a_aaa/
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