You can pay in a mixture of bitcoin and credit cards and cash in the U.S., especially with access to robosats and to exchanges like River or Strike that offer bill pay and direct deposit into a mix of bitcoin and dollars and such. I pay for most things in dollars but it is possible to do a little replace and spend mixed with it if you have a mindset to play around and stay disciplined. In the meantime, gotta find more income too. It's really hard out here. I hear you. I'm struggling too.