Sometimes from ATMs, these days more often OTC from a small but growing list of contacts I've cultivated over the years.

The most I pay at any ATM is 6% and that is fast, net, cash, secure and anonymous.

Between the cost of transferring fiat to an exchange, and the trading fee, it's not that much more expensive and I don't have to expose my money to the internet.

Most importantly, it's fully anonymous. There are no banks, exchanges, governments or other corporations involved... just me and my paper wallets, some dude with a laptop or phone, cash and the blockchain.

When the time comes to  spend some to buy something like property or fiat currency, the blockchain will serve as a record of when I acquired the coins so capital gains tax can be calculated and paid. Until then it's nobody's business except mine.

Anonymity is the cornerstone of freedom. A few percent for the ATM operator or dude with the laptop/phone is a small price to pay.