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This is a question for those who have already converted literally 100% of their wealth to Bitcoin, including continuously converting disposable income (or getting paid in BTC). I'm keen to learn how you navigate your daily spend in fiat?
It's pretty easy in Funchal (Madeira, a Portuguese Island)
You just spend your sats with merchants directly, over lightning using a QR code in the usual way. There are already ~126 merchants and counting. You can pay your rent, your office space, eat out at different restaurants every day, get goods from the pharmacy, rent a car - literally, everything is possible with Bitcoin. And ONLY bitcoin, there are zero merchants accepting shitcoins.
If the merchant doesn't take Sats, you pay with physical cash. There are lots of locals willing to sell cash for Sats, just ask around.
Bear in mind that it wasn't always this way - the merchant count is a result of grassroots activity, local bitcoiners actively talking to merchants, supporting their transition, and SPENDING THEIR BITCOIN on a daily basis.
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Strike bill pay.
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