Bitcoin ATMs, and repayment from friends when I pay for things in cash. There are also p2p exchanges like LocalCoinSwap where you can meet people in person in public places to buy or sell an amount of BTC you are comfortable carrying. Some let you use escrow where you deposit cash to a bank account then you are sent BTC on receipt. None of these methods can be stopped no matter how much regulators demand KYC from the Coinbases of the world. Humans can always trade directly.

Similarly I am also paid directly in Bitcoin by some of my clients I do consulting for so neither side needs to fuss with bank transfers. Lastly I can always buy on an exchanges, convert to Monero, then back to Bitcoin to de-associate the Bitcoin to me.