It’s when you realized the bankers were the problem

When you realize owning and self-custodying Bitcoin is the end-goal, and using it as money that you see fit.

i set up zaps, i think that is step one 🤔

I sent you a private message a month ago, and you haven't replied to me.

All of the above. And a bank account that only covers fiat expenses plus 3 months security blanket.

There are degrees to it and every point you described is a step closer towards the maxi end of the spectrum.

Difficult. There is not only one definition for bitcoiner. What is it for you? For me, a bitcoiner is a party who uses a purely peer-to-peer version of electronic cash for online payments to another party, without going through a financial institution. Do you?

I was a bitcoiner before bitcoin existed. Say it ain't so