The point is being like a submarine: nobody really knows where you are moving (transactions) and where you will surface (which other crypto or fiat).

On the example you give, large majority of people just pay and accept payments using monero natively. When you are talking about large amount of money, then it is worth a visit to places like El Salvador where you have a bank account with BTC. The conversion tends to take place in exchanges outside 1st world supervision and from El Salvador you can convert BTC to other currencies according to the exchange values or just use it with a credit card.

If you want to convert smaller amounts in Europe without tracing, mostly a matter of settling the transactions with small providers albeit you should be prepared to pay a fee between 20% to 30% as commission for the service.