It depends on where you live and what you mean by living on a bitcoin standard. For a little while, I paid my bills with Bitrefill, but they don't let me do that anymore. I think Bull Bitcoin let's Canadians do this. Strike let's you pay credit cards with bitcoin, but they don't have a debit card. Cash App has a debit card, but makes you sell sats before you spend. Fold is a debit card with some wheel that pays 5 sats per spin and makes you sell sats before you spend too. They have some tiered sats back system for paying bills with fiat or something. I don't really get it to be honest. It doesn't work for me because I need to deposit on chain. The Cash App is my daily driver. I occasionally send sats to Strike to instant deposit fiat into BofA to pay fiat bills. I still use a little paper money because I prefer tipping in cash and the local weed stores don't take bitcoin and I don't want to pay extra fees to a damn bank. My wife still gets paid in fiat. I prefer to call myself a fiat minimalist. I suppose gold and silver could theoretically work, but ironically these metals are more complicated than bitcoin.