We're at a point where you can have your coins on a hardware wallet, and have a simple route into an proper exchange with the possibility to pay fiat to your ba

We're at a point where you can have your coins on a hardware wallet, and have a simple route into an proper exchange with the possibility to pay fiat to your bank account. Documenting this and updating it yearly is not that much extra work if you really believe in it. Every year, practice the process with your wife/sibling/whoever and 10$ so they are accustomed to it. It's work, but you are running your own bank.