A probable solution:

• www.localbitcoin.com
• ww.localethereum.com

Banks throughout the world see cryptocurrency as a threat. Our incompetent Finance Minister has utter non-sense stance on cryptos. Banks are just using the grey area between illegal token and completely illegal entity to create problem for the customers.

So, it's your money in bank and bank will decide how to use your money NOT YOU! This is the perfect use case where cryptos where you have a 100% control over your money.