As much as i hate and try to avoid CEXes, i still have to use it once and a while to cash out and pay bills. Yes, yes, there is Retoswap, but that can take time and sometimes i need cash sooner than that.

You are telling me you dont have a single credit or debit card, pay for your gas with Monero and your food with monero and only use cash sparingly? U dreaming homie. It doesnt exist yet.

Yes, I tell you exactly that. I neither own a credit card nor a debit card. I still own one bank account that sees a couple of transactions I have not yet figured out to do via other means, but I will get there. I use mainly Monero with farmers and craftsmen, where it doesn't work directly I use via proxybuyers, I also buy giftcards and yes I use cash everywhere else. You are just lazy and a pretend Bitcoin hodler. Yes, it took me 5 years to get from close to 5% use to 90%. If I can do the PoW, everybody can do it. It's just a question of ones dedication.

No, you need a reliable network of people. I have not used a CEX in the last 8 years and I live 90% on Monero.

Lol. You clearly dont know with whom you are talking to.