True... but one can benefit as well..... I was getting in at $600+ for a bit and it skyrocketed over $1200 per BTC... cool shit right there..... the key is purchase your BTC then make your buy immediately.... doesn't have time to increase/decrease....
they can b in a US dollar (USD WAllet) account there also
they do charge a small conversion fee but they are stable..... and you use them the same way.
You can transfer them from account to account that you have.