I think "turn cash into bitcoin" is the easiest step.

- Bitcoin ATM: You insert cash and get bitcoin on your wallet. There are over 1000 ATMs in US alone. [1]

- People: There are lot of craigslist-like sites for P2P bitcoin exchange. [2]

- Gift card: Again there are lot of communities for exchanging gift card for bitcoin. [3]

- Bank account/Debit/Credit card: You can buy bitcoin from sites like coinbase which are US-based and are actually FDIC insured. [4]

1. https://coinatmradar.com/

2. https://localbitcoins.com/

3. https://paxful.com/buy-bitcoin/amazon-gift-card

4. https://www.coinbase.com