I take the risk. Small amounts sent from main bank to challenger bank... which I then use to buy bitcoin. Figured if it gets frozen or compromised then the normal household stuff isn't affected.

Amazon gift cards seem viable too... for now, bezos bucks are a great medium of exchange.

I wondered if state was less interested in me buying monero, to then swap for bitcoin, rather than going straight fiat to bitcoin.

Lots to think about.