For yet another time, I'd encourage every CEX user to just download Bisq and see how easy it is to trade your bitcoin there. No KYC, no shitcoins, no 3%+ trade fees, no data theft. Decentralized, permissionless, private and peer-to-peer, as it should.
~snip~
Everything you mention are great advantages over CEXs, but there's one thing you didn't take into account - and that's banks. If you use bank transfers for these types of transactions, then the bank has access to all bank transactions, and in my case, that means that the tax office, as well as the financial police and maybe a few other agencies, have access to the same transactions.
If someone can remove the bank from this equation, then there is almost a perfect way to trade with cryptocurrencies.