In America, they run your credit. Bitcoin doesn't contribute to your credit score actively. If I didn't have previous credit history, I can kiss goodbye low interest rates, loans, mortages, credit cards, etc.

I am trying to put myself in your shoes and understand how you feel... The simpliest way I see is having your Bitcoin stack and a traditional bank account where you pay those pesky "fiat only" bills and expenses. Focus your time and energy on increasing your monthly cash flow, once the extra income rolls in, you will be able to go from there. It's definitely going to be more work, harder (mentally, physically, and emotionally) but believe in yourself.