I'm a bitcoiner too, so don't take this wrong way, but there are plenty of smaller banks and credit unions that will hook you up with life changing deals and products if you have great credit. I love my bank and they have some wonderful line of credit products that have made me a ridiculous amount of money in my business ventures. Like it or not, you are going to at least need a digital checking account product that doesn't suck, and If you don't have a relationship with your banker you are really missing out. Even if all you care about is stacking sats, you could be doing it much faster if you know how to correctly operate a secured or unsecured personal line of credit. Think about this like buying meat from the local famer vs walmart.