Hey thanks for having a read, I completely agree with you that in the long run we won't need exchanges for fiat because we'll be able to use cryptos for all our needs. So, yes this is an interesting moment as the old system attempts to stay relevant in the changing landscape. Ultimately, this is about maintaining control and this is their focal point until they roll out the 'official fed coins', centralized of course.
Thanks for the reminder on the localbitcoins.com, I've never used it but the first bit coin i bought was from a friend in a cafe. It's also perhaps the best way to exchange for fiat and keep our privacy.

Stoked you found the contest! Love your submissions, and looking forward to another my friend ;)