There's enough liquie within Monero. And as it is in fact used more as a medium of exchange than a store of value people on average care less about on and off ramps.

So what I said is still true. I could send you the money on chain.

And all the things you describe I have on Monero. In today's world it's not s problem to live mostly on Monero if you are dedicated enough to release and relieve yourself from the fiat nightmare.

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Could you walk me through a few real life scenarios?

I’ll give you one: there are ranchers all over the US that will sell you high quality beef directly for lightning payments. No questions asked. I pretty much can feed myself off of only goods purchased through bitcoin.

That sounds wonderful. I am agnostic when it comes to farmers and merchants and their preferred choices. I would pay them whatever they want, BTC, LN, hell even bcash.

But I still would use Monero from my side with an (atomic) swap in between.

Can not afford to compromise my privacy for my business partners coin selection.