> unless you're willing to buy crypto with bundles of cash and risk getting mugged

I'm trying not to fall into a "Survivorship bias" here but I made 10s if not 100s of trades on LocalBitcoin years ago without issue. I wasn't meeting at people's houses or in some dark alley, I was in the Kroger (grocery store) parking lot or even inside Kroger or the Mall. I don't disagree with your point that fiat->crypto is not as easy as some people pretend it is but I just wanted to push back a little bit on the second part of your statement.