I just spent $10.00 at Taco Bell. I used Apple Pay which is hooked up to my Coinbase debit card. My Coinbase Debit card is attached to my US Dollar coin account on Coinbase. The $10.00 transaction earned $.40 worth of Stellar Lumen because it has a 4% cashback if you select XLM as the reward token. You can also select Bitcoin and several others. I thought the 4% using XLM was the best option.
You can also use the debit card directly and pay for things. I keep very little in the account but I can transfer money instantly if I need access to more. It is very cool that one day the Stellar Lumens may be worth more than the $10.00 worth of Taco Bell that I bought.