Stablecoins are the answer here. Theoretically though if cryptocurrencies were very widely used they’d be more stable, like actual currencies (probably $100T market cap of actual use, not just investments, so not any time soon).

Note stablecoins have “institutional/existential” risk. Dai is decentralized but as seen with Terra/Luna they can be attacked in many ways.

Generally… Just keep a small balance in crypto, whatever you plan to spend in the next few months.