Even when we use a DEX, are your Bitcoin sales not going to be paid into your Bank account? As far as I know, for now, the DEX I have used also pays directly to your Bank account and we are back to the same problem except you know someone that is willing to pay you by hand directly.
Yep P2P is the option, don't forget they can convert into gift card too.
The point is don't fund most of your money on banks, just send some portion you really want to use, if the banks froze your money then you can try other banks.
Honestly Bitcoin created isn't to kill Banks and overtake fiat, but the aim is just to become alternative payment. As long as the government didn't ban Bitcoin usage, it's fine to pay something with Bitcoin if the sellers accept it.