Our government legalize crypto only for trading purpose but still isn’t fully ready to spend. prohibited for legally use for payments but some store accept crypto which is very rare case. So i usually don't spend crypto directly, just convert to fiat and withdraw bank account and then use legally. Although i did several online payment with crypto already.
yes of course so, because only most countries have fully legalized crypto and also many countries still prohibit cryptocurrency, and the only way and the best solution like you are doing is the best way and solution, by converting to FIAT first and enter the bank account. so in my opinion this is not a problem if crypto cannot be used directly, maybe in the future slowly maybe in the future we can use crypto as a means of payment.
and to be honest personally, I also did it by first converting it to a bank account, and once I made payments online using crypto.