Monero + Distributed Exchanges will go a long way to fix these kinds of online payment problems.
Unfortunately, at least near term you'll still need fiat-tether "on ramps" to convert your local currency back and forth to tether before you move them to a distributed (or at least a non-KYC) exchange to Monero, then sending to your local wallet, then use online.
Yup. It’s worth checking out LocalMonero [1] and the Haveno DEX [2]. The former already works and lets you buy Monero without relying on a KYC exchange.
Yeah, Haveno is a WIP fork of Bisq for Monero that doesn't require BTC as a middleman and will have a much better UI/UX for newbies. Bisq doesn't even work on my M1 Mac, and the interface is kind of a nightmare.
Unfortunately, at least near term you'll still need fiat-tether "on ramps" to convert your local currency back and forth to tether before you move them to a distributed (or at least a non-KYC) exchange to Monero, then sending to your local wallet, then use online.