I just want a checking account with a debit card that allows me to save in Bitcoin. Why is that so hard?

I love cash app but the app doesn't work on Graphene OS which is a roadblock for me.

Strike is awesome but no checking account. It would be my first choice to send money international but I rarely have a need for that.

River seems promising but it closes my account every time I try to log into it because I use a always on VPN. WTF river, why are you making this harder than it needs to be?

Has anyone used the new Fold app? I've had a fold Card forever but never use it. Just a load and spend, rewards weren't that great, and no lightning withdrawal. BUT I see they have recently added a checking account through Sutton bank like cashapp. Insured Bitcoin account that can be converted to fiat into the checking account.

The sats back seems like a gimmick but if I can pay bills with fiat and keep money I don't need right now in Bitcoin this might become my regular checking account. Going to give it a month or two trial run.