People accept crypto all the tine. I use it to pay for servers, donate to open source projects, etc. You can buy gift cards or Visa cards if you really want with it. For coins that are liquid you can sell billions of dollars of it.
Wow that makes me feel bad about using crypto. /s. Oh well, I've worked on payment platforms. I do online purchases all the time. I know which one takes more time, has more rejections, requires me to give up more personal details, etc.
Gift cards are extensively used for money laundering and fraud. A quick search turns up endless articles and reports going back a decade or more.
I give and receive gift cards often enough, and no, no one is going to bat an eye if you're occasionally buying something with a gift card. If that's the primary way you interact with the financial system, I'm going to assume you're involved in some kind of crime and I've got a good chance at being right in that assumption.
