Wanted to say thanks again for this piece (just shared it on Discord) as I voted from my main account... and I wanted to address one thing.
Coinbase
While they are certainly easy and convenient for folks already all set up in the banking & credit system, they also track and pass along all that data to the government. Personally, I don't use banks, credit cards, or exchanges that require KYC.
To get out to fiat, obviously p2p is the best, it's what crypto was designed for, but after that I'd recommend non-KYC atms (many will let you do up to $1000 with just a phone number), ordering precious metals (veldt, jmbullion, etc.), and really back to that P2P option - it really is the best for everyone, if nothing else just because no fees for either party.
You can also book flights for crypto on cheapair.com, buy anything on Amazon cheaper with BTC on Purse.io, or check out acceptbitcoin.cash/ to look through thousands of vendors who accept crypto.
If you really have to go the coinbase/cashapp/binance route, then it's a good idea to use some tools like simpleswap, or coin tumblers, or maybe (preferably) moving it all through a privacy coin, to eliminate any trails that organized crime syndicates might be able to trace, and then attempt to extort you for their cut.