There are plenty of ways to get around with this actually--only that as you've pointed out it costs more than the conventional route like cryptocurrency exchange.

You may also want to use an e-currency as a bridge, like Perfect Money and fund your account with fiat via wire transfer and exchange them with various crypto asset using a gateway that supports Perfect Money. You can use the Best Change monitor to get the best price automatically.

But if your government is really implementing a maximum bank transaction cap, then you can use your PayPal account to buy Perfect Voucher online and convert them into Perfect Money with zero conversion fee. Purchasing vouchers online I guess is beyond the scope of government regulation, IMO.

I live in the Philippines, and in time if there is a buyer who is willing to buy my crypto asset using Perfect Money--I'd be willing to accept the deal.

Atomic Swap will be one of the most innovative upgrades in blockchain technology in the years to come. It has the potential to make exchanges unnecessary. But the thing is, it is only feasible for crypto-to-crypto transactions. Anything that involves fiat is still problematic.

The keyword here is to bring crypto payments into mainstream adaption--that way we could have efficient and seamless way to pay our bills.