If you want to meet in person to exchange a scarce asset with unlimited upside for dirty fiat, and don't think that's at all sketchy or has zero risk, sure...

there will always be risk exiting bitcoin.

Bitcoin is the exit.

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Not meeting in person I’m talking about using platforms like hodl hodl or bisq

What's the counter-party risk on those platforms?

I’m not aware of any.

https://hodlhodl.com/

can bank transfers be reversed? Yes

can PayPal payment be reversed? Yes

nearly all fiat payment rails can be clawed back.

not sold on these services.... yet. 👊