Where there are problems, there are solutions too. I always say if you want to use Bitcoin to buy grocery items or pay coffee bills, use your state's popular custodial service. This problem can be solved by making custodial p2p transactions for a small amount of transactions.
For example, Coinbase is the most widely used custodial wallet in the United States, India, and many more countries. Luno Wallet is very popular in Africa, Indonesia. In the case of little transactions, there is no extra fee to pay for P2P transactions using these wallets.
P2P transactions involve very low fee and can be an attractive option for making small-sized payments. But we can't ignore the disadvantages while performing such transactions. The advantage with direct payments is that we are making the transaction using our own wallet and no one will be able to seize the funds that are stored in them. But custodial wallets are centralized and there is a small chance that the service provider can freeze your account, or even seize your coins.
Emm, somewhat you are right that custodial wallet can freeze our account at any time and even thay can seize our account too. that's why we should have to use popular and trustworthy service. I didn't here coinbase seized someones account without any reason, its true that they frequently ask for KYC for making their service more secured but I got them loyal.
To get rid of these hassles you can keep very little bitcoin in these accounts. Just keep as much bitcoin as you need to pay monthly coffee bills, and other bills here so that you don't have to incur huge losses even if they freeze your account.