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Hi - a question that could benefit everyone: 

I’ve had an outrageous experience with Citi over the past month (blocking my transactions, enabling dozens of fraudulent transactions, and generally providing terrible support). 

I’m semi-sophisticated on BTC. I buy at swan, keep most in a hardware wallet, and a small amount in a Muun wallet. I have a real need to transact in dollars frequently through something approximating a checking account (credit card payments, mortgage payments, receive payroll, wire transfers, pay US contractors, etc). 

What is the “best” way to save in BTC but be able to frequently transact (via wire, autopay, ATM, etc) with fiat?

And if there is no good way (as I expect) what is the likely future state that will allow that?