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.