The first challenge was paying bills that require ACH bank transfers. I had to find workarounds like paying a friend to pay bills on my behalf, but now there are a few bill pay services.
The hardest definitely would be credit, i.e. when you need loans and such. I don't do any of that, but if I needed to, that would be complicated.
There are collateralized loan DEFI options. That's what I do. There are several EVM options like Aave, but then there is also options on Thorchain. I am literally my own bank in that regard.
Yeah that all makes sense, if you have the collateral to get these loans.