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 The small user is being treated like a criminal, and decentralized or p2p exchanges are useless because the receiver ends up having his account closed or the sender ends up being asked the same questions.
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That's why we need better and more private payment methods.

I consider the p2p purchase of sats with revolut or bank transfer to be impractical 
 Totally agree.

Really the only solution is to get off the FIAT ramp but it's not that easy. 
 I think about that topic for a long time. Cash by post and cash in person are the only options, but they also have major disadvantages. 
 You can always use a pro bitcoin bank like https://www.xapobank.com/ 
 I never understood the "non-kyc" part of exchanges like robosats or bisq for this exact reason. Ok, the exchange does not ask you to verify your identity and doesn't hold your fucking passport on their servers but... there's a huge but.
You are still using your bank account to send or receive money from someone. The bank might (and probably will) start asking questions. You leave the paper trail. And if you are unlucky, the person on the other side of that transaction might be on a watch list. Doesn't that immediatelly make your bank account flagged? The whole scheme seems way too risky.

Am I overlooking some important piece of this puzzle? 
 Doesn't that immediatelly make your bank account flagged?
It does, but that could happen with every bank transfer. 
 But for most bank transfers, if not all, you usually know who's on the other side. 
 Get rid of your maxi view. Bitcoin is an almost perfect store of value. But it's not a good medium of exchange. And it won't help you sailing safely through what is ahead. #Monero #CircularEconomy