An example: Let's say you earn sats, you are paid in sats, or even using Bitwage it means you DO NOT NEED to have a bank account in your name.

So you need to pay regular bills that are still in fiat somehow. So not having a fiat bank account you can't use any CEX, right?

Simple solution: use shopinbit.com You pay them in sats, they pay your bills in fiat, or buy anything you like from internet.

You could replace shopinbit with any close friend that want your sats or any p2p exchange where you can put your own offer: pay me this fiat bill and I will pay you in sats.