DeFi users are increasingly abandoning traditional off-ramps due to heightened banking scrutiny and the failure of crypto debit card features. High-net-worth individuals face significant compliance hurdles when converting cryptocurrency to fiat, leading to a rise in "Paper Millionaires." Many crypto-linked debit card programs have ceased operations or removed crypto functionalities, prompting users to turn to non-custodial aggregators like CoinsBee to spend crypto directly. This transition allows users to bypass banks but comes with drawbacks, including higher fees and slower transaction speeds compared to conventional systems. The shift highlights the growing challenges within the crypto ecosystem as users seek alternative methods to manage their digital assets.