Have you ever think to use
Bisq?
It's a decentralized exchange with no authority over your funds. You just need to install the software, add your bank account numbers, deposit your bitcoins and start trading with people.
I have a thought on this mate, recently, Nigerian were stopped from using their bank(cards) in connecting with cryptocurrency transactions, there their major centralised exchange mechanism Luno, Binance, remitano stopped operations with NGN cards transactions. Can bisq be used instead since they are decentralized platform with no authority over customers fund.