If you want to get out of the fiat system you need to solve 4 kinds of problems.

1. Savings

This is the easiest one. Buy BTC, self-custody ... done.

2. Getting paid in Bitcoin

Even though most customers still use fiat you can utilize a service like Bitwage to be paid in Bitcoin directly. They give you a unique IBAN number, you share it with your customers and when they make bank transfers, you can predetermine how much should flow into your Bitcoin wallet, and how much should be routed to your traditional fiat bank account.

3. Pay for things in Bitcoin that you can also pay for with a credit/debit card

a) There are some crypto debit card providers out there which let you load your Bitcoin onto these debit cards which you can then use to pay for online and offline purchases. The good thing is, your money remains in Bitcoin until the very moment you make a payment. The recipient won’t even know you used Bitcoin. However, be aware of price volatility, which can affect the displayed fiat balance on your card.

b) Need cash for those occasional situations, like feeding the parking meter? With a crypto debit card, you can also withdraw cash at an ATM. Or right after grocery shopping I can ask the cashier to pay out some additional coins for the parking meter.

4. Pay for things that you would normally pay for with a SEPA bank transfer

This one’s a bit more complex. I don't know of any service that offers a solution to this problem out of the box yet. At this point you would either have to

a) leave a certain amount of income in the bank as fiat, which of course contradicts the idea of living the Bitcoin standard.

b) or you would have to, after receiving all the income either in BTC or converting it to BTC, sell it again and then make an old school fiat transfer. Which, to be honest, isn't convenient and doesn't make much sense if you've just received your salary and want to use it to pay your rent straight away.

So we urgently need a solution to transfer Bitcoin to another bank account via SEPA as smoothly as possible, whereby, similar to the crypto card, it's only converted into fiat at the last possible moment. This would allow us to keep all our money in Bitcoin and not a single cent in fiat in our bank accounts.