That is unavoidable, if you want to stack over EU banking accounts.

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Yeah if onchain isn't an option and we wanna go straight to lightning, we'll have to deal with tradeoffs (or just do the work to run a real node)

Bisq or HodlHodl can help with the fiat bridge in EU for onchain. In the US, Bisq offers the usual interbank services, but also offers US money orders, basically cash in the mail 😉

It's definitely not easy, but it does work.