Decentralized exchange like Haveno is the way. It's better than Bisq. Not sure how quickly the op needed to sell though. https://haveno.exchange/faq/#how-can-i-exchange-monero-for-fiat-without-involving-banks https://haveno-reto.com/
This is not a technological problem, it’s a social problem. You can’t code your way out of a demand to use dollars on traditional banking rails. It’s also a liquidity problem, which circles back to the social problem of not enough people caring about oppressive regulations.
Haveno is cool, but I don’t see how they get around the fiat liquidity issue where people just can’t Zelle or cash-by-mail $100k.