Any advice out there how to reasonably buy bitcoin or a stablecoin or any crypto with physical cash?

ATMs are asking 7-20% fee, the exchange rate is undisclosed and there is often KYC. Direct Deposit into an ATM is not an option in the US (unlike Australia).

Bisq or Hodlhodl rarely has the trading pairs with cash. AgoraDesk and LocalMonero has folded.

The exchanges want KYC. The online bank apps like Revolut and Wise want KYC.

The best I can think of is: Cash<>US Bank Account<>Coinbase USDC<>Coinbase USDT<>TradeOgre USDT<>BTC or XMR<>Cold Wallet.

Any advice please?