I don't understand how I will use BTC when I'm retired?

Hello,

Can someone explain how I can use the BTC to actually pay my expenses once I'm retired? I'd like to have as little USD as possible, but how do I actually live if all my assets are BTC?

Also, is selling it for USD and getting hit on capital gains taxes the only option?

Anyway to take out loans against it, then pay the loans with gains on BTC that happen over the length of the loan since BTC should outdo USD?

Thanks!