What I know is that with Bitcoin, you own your own online bank at blockchain, If I accept payments with bitcoin or earned bitcoins from one of my invesment programs that means i will be able to send my bitcoins to a bank account to get FIAT currency without using an exchange?
You need to find an exchange that lets you cash out your Bitcoins. In the US, You can send your Bitcoins to Coinbase, sell for US dollars, and they will deposit the money in your bank account. There may be other exchanges that do this as well. You can also try localbitcoins to meet up with someone in person that will buy your Bitcoins and give you cash.