Coinbase and Venmo offer debit cards that you can fund with crypto. Coinbase offers to auto-sell crypto assets you choose to fund it. That means you can hold money in crypto and sell it off when you want to buy something. Be cognizant of taxes, but if you're willing to hold your crypto for a year then LTCG kicks in and you're getting taxed at pretty reasonable rates.

Investment accounts on the other hand take a while for sales to settle before your funds are available as cash.