As much as i hate and try to avoid CEXes, i still have to use it once and a while to cash out and pay bills. Yes, yes, there is Retoswap, but that can take time and sometimes i need cash sooner than that.

You are telling me you dont have a single credit or debit card, pay for your gas with Monero and your food with monero and only use cash sparingly? U dreaming homie. It doesnt exist yet.