I've used CashApp since it came out, years ago. And I use it all the time. Here are a few golden rules with CashApp.
1. Never buy anything that you may want a refund on. Their CS is non-existent and they do not help.
2. Never send money to someone you do not trust. There is no getting it back.
3. Never keep a lot on CashApp, because of how sketchy it is. If money is stolen, then you're out of luck.
That said, I use it everyday. I use it to send money to my nephew, I use their bank account and card to buy subscriptions from sketchy places that seem to not like to cancel those subscriptions (I'm looking at you, HotWorx Yogo). I have actually not purchased BTC off of it, but that is because I use Coinbase and use their $30 a month Pro membership where all BTC purchases are free... So if I buy, for example the other day, $1,500 in BTC, I got like $1,490 because of some high/low hidden BS Coinbase still has. But a lot better than other places. I use a wallet on my machine I send from Coinbase and then to vendor. I think with how sketchy CashApp is, that they wouldn't care.
Maybe I should look at the cost/analysis of CashApp BTC vs Coinbase...
But for all that is said, CashApp is sketchy as sketchy gets. But I find niche uses for it and love it for that. Just NEVER use it in a situation where a refund may be needed. Because you won't get it.