The final goal is not to be able to convert crypto to fiat, the goal is to keep everything in crypto. Do you think all this infrastructure is being build just to convert it back to fiat, what cypherpunks want is to destroy fiat.
Inevitably the answer is "some trusted third party" that turns it into a vanilla remittance.
- If you have a bank account you can go through crypto exchanges. Centralized of course. - There are p2p platforms that connect buyers with sellers. So in the platform, similar to Binance p2p, you can see how many transactions other people have and buy/sell crypto from them. - There's a black market which has home-delivery. So you contact them through the internet (you can find links in reddit and other sites, most go through Discord) and they send you a person with your crypto/fiat and make the transaction in your home. You can also go to their location if you prefer.
Not sure if that really answers the question, but if I was receiving remittances from abroad doing options 2 or 3 would be simpler and cheaper than using any traditional finance tools, which all require you to have a bank account in the first place (a LOT of people don't have one here because of the requirements to open one) and have higher fees and bureaucracy.