I am a Russian immigrant in Switzerland. As of right now, all Swiss banks block all Russian bank accounts until their owners can provide a valid physical residence permit card, due to sweeping sanctions (meanwhile, Russian-owned companies continue to freely trade crude oil from here, as they use Swiss nominal directors — the hypocrisy is through the roof). My residence permit is on renewal now and the case is being dragged for 7 months already — so, no bank account.

Thank you for indulging my curiosity. I really hope your (and our world's) situation improves soon.

Are you paid for work and able to pay for rent and groceries with cryptocurrency?

Yes, I am paid for work in crypto (I am a consultant), and I can exchange it for cash and pay for rent and groceries in cash, just like people did in the previous century.

In some other Swiss cantons like Zug, you can pay some of the bills and even some taxes with crypto directly, but not here yet.