LoL. Just keep it simple! y'all be confusing crypto noobs with all these!!Bank -> Coinbase -> Metamask -> vendor
I keep it simple by buying USDC on Coinbase where it can earn some interest (~5%), send the USDC via Ethereum blockchain to Metamask to cover upcoming purchases, and pay vendors from Metamask using USDC or USDT over Ethereum as the vendor prefers.
If need be, I can burn the Metamask wallet and create a new one at will.