There's enough liquie within Monero. And as it is in fact used more as a medium of exchange than a store of value people on average care less about on and off ramps.

So what I said is still true. I could send you the money on chain.

And all the things you describe I have on Monero. In today's world it's not s problem to live mostly on Monero if you are dedicated enough to release and relieve yourself from the fiat nightmare.