Both! We cannot envision any other way, yet banks are a fairly recent thing. Crypto is one way, and folks are getting really good at using this. As for USD and other fiat, I pay cash for everything I can; I try to keep my money in circulation in my community by paying cash. I do have to make a withdrawal from the bank to do this, and my income is automatically deposited into one. I owe nothing, no mortgages or credit cards at all. I do not charge for homeopathic consultations, and often receive gifts in return, bartering I suppose. I'm slowly moving toward a more independent financial state. It's possible. But will require work. And vision.