In our country we have our local wallet where users can directly trade fiat-bitcoin/eth/xrp/bch or vice versa. We can use it to pay bills, services, purchase goods since other merchants accept online payment, and it even use it to directly make a deposit to a bank.
I hope as time goes by, the usage of crypto will not be limited as in we can use it to buy anything.
Yea and I think this is better since not everything can be bought with bitcoin so if there is this local wallet like yours you can just easily convert some coins to your local currency and command to send it to your bank account in which you can use your ATM card to buy anything. It doesn't matter anymore if it is in bitcoin or in fiat but the convenience is what matters here. I like the idea.