Crypto it is then. I can't have any kind of banking or card anonymity in Europe due to anti laundering laws, and I haven't found anyone who sells cash for crypto at a cheap price.
Crypto isn’t as anonymous as one would think. The ledger is public and if the wallet can in some way associated with your person (credit card for buying crypto, shipping address for something bought with crypto… ) it can be traced.
I am actually a crypto expert and developer 👀😁 long story short: monero is a secret ledger, it obfuscates everything, impossible to know what you have or do unless you manually show people individual things you have or do to certify.
And: even if most crypto is pretty much just public, it's still way more free and much more obfuscated than banks. I for example get salaries in crypto so it's not traceable back to me until I send the coins from that address to sell them.