Nice post. I only know some of this ways. I do not know if "buy steemmonstercards with fiat and sell them and get steem" is a good way from fiat to crypto. But it is also a way.
For me BItpanda is the bridge I use. You have no experience of them?
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Ha ha, I didn't think of the Steem monster route!
I haven't used Bit panda, it seems like they give a slightly less good exchange rate compared to Bitstamp? But it is a bit more friendly, and they seem to have more options for fiat.
They have a lot of fiatoptions. I pay with Neteller (higher fee) but I like that way. Absolutely userfriendly.