we can't choose because we need at this moment both.
yes if you are writing here you accept btc and in the same moment when go to other place like ebay,
you can't sell accept it and you need a paypal/bank account.
Then living without bank is hard, also impossible, for example in my country my job couldn't be payed in btc!
There are some "combination" that permit you to use btc without difficulties, but as far I have 3 cards in my wallet and not one.
I have to use both at moment. Bitcoin is accepted in too few places and I am paid with fiat. No choices.