A good experience when we don't have a problematic cash or ATM, then Bitcoin is the right solution, Bitcoin transactions are very fast, and now the transaction fee is also very cheap if we use private wallet which is no more than $ 3, maybe compared to ATMs are still more expensive but When we don't have an option then it is the best choice.

Some unexpected circumstances will really exhaust all your possible means of payment method that you know of. Just like what I read from one of the threads here where the man paid the doctor with bitcoin who gave birth to his baby. Because he ran out of options as the ATM was bit far from the hospital and had no cash. And he saw the doctor wearing BTC-shirt and asked if he's accepting BTC. So in this scenario, it is showing that you'll never know when you will have a situation that having crypto funds will be your savior. We don't know if the stories are true, but if they are, lucky for them that they have crypto ready to spend in case the situation needs it.

This is a lovely story! Banks can be a pain, especially if you're traveling and they suddenly decide it's probably not you but someone else trying to use your card to pay. I've had issues with that myself several times. It's great that the guy accepted a payment in BTC. While the sum he got would by now be reduced, it's not that big of a deal with a small payment like $40. I also didn't get the 75% exposure, though. My assumption was you meant 75% of your assets (savings, investments) are in BTC.

Oh wow. I really love reading stories like this. Last time, a man shared about paying the birth fee to the doctor with Bitcoin. And now this one. In OP’s case, it was truly fortunate that they are accepting Bitcoin by any means necessary. We can’t just simply focus on the price alone despite the bear market that we are in today, but it’s all about embracing Bitcoin as an alternative payment.

Reading lovely stories like this makes me realize how Bitcoin could save us from unexpected situations. I've also experienced when my card got debited and there were no fiat resources near my area but Bitcoin saved me and I was able to buy important stuff in a grocery store that accepts Bitcoin in our country. If more establishments and businesses would accept Bitcoin, we'll never have trouble transacting. I hope everyone could see the convenience that Bitcoin can provide. 

 I  said Yes,  I'm 75% exposed to Bitcoin and he said wow!, therefore you don't have an issue,  I will accept your payment in #BTC

the guy brought he's phone, I scanned the wallet and made my payment of ( $40 ) swiftly  to him instead of ( $37 ) in order to encourage

him in case of such senario in future with other people.

It's really good to know that people are open to accept bitcoin and it could help them in problems when other banking mode are not helping them to make the payments or withdraw the cash.You send btc to other person address and Transaction is confirmed after few minutes that's it no other issue.But in your case you were lucky that other person know about it and also happily accepted it as payment source.Good encounter with btc for @OP.