If you are in Canada that isn't really true. It is extremely easy to open a USD denominated bank account and credit card. Couple banks have Euro accounts as well.
And if you're already thinking like that, Bitcoin isn't nearly as scary.
That's the past year. The flat blue line around 0% is CAD vs USD. The crazy red line that's all over the place, swinging by as much as 100% in a matter of weeks, is CAD/BTC.