Consider the following scenario:

As an average Joe, how am I supposed to manage my BTC?

- My BTC are KYC'd because that's the easiest way to buy BTC

- I never transact with it, just hodl

- When I'll have to sell to fund a large purchase (a house, renovations, medical bills etc.), I'll have to deal with UTXOs, tax from the government, AML questions (risk for suspension) when trying to transfer a massive gain in fiat value to my bank account.

/end scenario

How do I best explain how to mitigate the drawbacks of all of these points to an average Joe who wants to invest in BTC because he's getting shafted by the central bank?