But if you do care about KYC and do it the non-KYC way, won’t you have to pay using a debit card or credit card? Which could then just be traced

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Not necessarily. Cash-by-mail is the most anonymous way. But even using payment apps like Zelle, Revolut, Venmo, Paypal, Cashapp, etc they have no idea you are buying Monero. They just see you sending/receiving money like anyone else. They don't know why.

You can also work for it directly or sell stuff P2P