There are legit reasons to avoid crypto (e.g. you have a security clearance or otherwise don't want to give the government one more reason to notice you), but let's not pretend using it is rocket surgery. Finding your way to a site like this and figuring out the nuances of reconstituting and proper injection technique is going to be 10x more complicated than crypto. The thing that's irritating about crypto is that instead of being a single step process to pay, it's a 2-3 step process that often include holds where the holds aren't disclosed to you prior to starting the process (making it irritating when you run into them). I'll lay out a process that only requires installing two apps on your phone and will cost you maybe a nickel in fees from beginning to end:
Step 1: Setup a Coinbase account and transfer in more $ than you plan to spend from your bank account. They're currently paying ~3.5% on your cash balance with them so think of it as just another high-yield savings account. The irritating "surprise" you'll run into here is that although you can buy crypto right away if you want to, your funds are locked to Coinbase for 7 days (they want to make sure the transfer doesn't bounce). Just leave it as cash for those 7 days and earn the same interest rate it would have earned in the savings account you moved the money from. If you forget where you're at in the 7 day process click on the "?" on the Coinbase site to see how much longer you have left before your cash clears. If you want the cash back later you can just transfer it back from your Coinbase account to your bank account.
Step 2: After the cash has cleared (7 days) on Coinbase buy some "USDC" with that cash as well as $1 worth of Solana ("SOL"). The USDC is the "money" you'll spend and the SOL is what you'll use to pay to move the USDC around. Everything from this point on is almost instant (no holds or surprises) and just works.
Step 3: Install "Exodus" crypto bitcoin wallet on your phone. In that app select to "receive" USDC on Solana and it will give you an address. Copy and paste that address into Coinbase and tell them to send both your USDC and SOL to that address (same address for both). You now have the crypto you will pay other people with in your wallet on Exodus and its cost you less than a nickel to do all this.
Step 4: When you want to pay other people for goods and services, just "send" the USDC to their address on the Exodus app. Make sure the person knows you're going to send it on the SOL network (so this doesn't get screwed up) and gets you the right address for "USDC on SOL." Every time you pay this way, it should be nearly instant and cost you a fraction of a penny to do so.
Note: You could either transfer over "just enough" USDC from Coinbase to Exodus each time you want to pay, or you could leave a USDC balance in your crypto/Exodus wallet. If you choose to leave more than a few bucks in Exodus, you should probably figure out how to backup your Exodus wallet, since by default it's only stored on your phone and if your phone is destroyed, so is your wallet.
