She can download Phoenix, keep the sats there under her complete control (in self custody), and use Strike just for cashing out EUR to her local bank as needed for rent, etc.

She can also easily pay with Bitcoin directly from Phoenix wherever she finds possible, or purchase gift cards on Bitrefill for her Carrefour/Zalando/Uber/Amazon shopping. Which is generally better than going through the bank account route (less likely that she can run into any hassles of having to report the sources of income and other government nonsense)