I think there are many exchanges that offer crypto debit card and you can use it with paypal and then send the money, but it's also as complicated as using exchange.

but to be fair, if you were to use stablecoin in a blockchain that enforce no fee like TON and TRON I think you will only need to pay fee for withdrawal in the local exchange and that's it.
It also help you avoid volatility so that the value of the money is retained.