How do people get bitcoin? Pay with a credit card? If so, btc exchanges can ban you still based on the name on the card. I tried other means such as money tran

How do people get bitcoin? Pay with a credit card? If so, btc exchanges can ban you still based on the name on the card. I tried other means such as money transfer and cash gift cards, but the exchange rate can mean to pay for $100 I have to spend $3-400!! A proposal: sell btc giftcards. Each card will have a qr code which is a url that allows download of a wallet (with priv key) where the URL is active after payment. You can transfer the funds to your permanent wallet or spend it directly. Maybe you can even use it to pay for IRL goods somehow. Either way, the participation barrier is lowered. I heard of btc ATMs as well but I can imagine carrying one more giftcard is easier for stores than adding an ATM.