Yeah, I can see both sides of this argument. We're certainly already in a situation where Monero in particular is very much persona non grata in a lot of countries and the only way to cash it out to fiat is P2P (which is risky).

Having said that, if you are a crypto proponent, you would argue that cashing out to fiat will become less and less necessary as time goes on and simply swapping to USDT/USDC and spending that will become easier. The jury is still out on that one