I never suggested that it would be easy, but just that it’s possible.

As far as I’m aware, any system that involves fiat will have its fiat issues attached to it but have you tried bisq or robosats? It’s direct bank transfer p2p.

As for nip05, then as far as I’m aware, it’s only so that an email address lookalike can find your pubkey. You can simply use your npub which is decentralised…no?

As for running a node, then I conceded it is difficult for the layman, but so was handling one’s ₿itcoin private keys back in the day. But that improved with seed phrases and continues to improve.

But I can’t talk about atom and how well it does what you say it does.