Suppose you want to make a legal business accepting bitcoin. The bank will probably not open an account for you. Even if it will, you'll have a problem to find accountants willing to work with you.

Alternatively you'll sign up for a crypto service provider and then the government (esp. EU) might try to force your customers to KYC with that provider which many bitcoiners (myself included) just won't do. Those who would do KYC probably already have got themselves a card. Most of such cards are debit, meaning that you sell bitcoin every time you use it and trigger a tax event. The only credit card (avoiding the tax event) that I've heard of is issued by Nexo, but at this point it's unclear how solvent Nexo is. All this creates a tax nightmare.

I don't think we can route around that. We just focus on countries without capital gains tax on bitcoin (such as Portugal) and wait for hyperinflation.