There honestly isn't a good way, because for most people right now, the roads all run through bitcoin and its enormous fees. We need a payment processor and major fiat exchange (USD/EUR) to trade STEEM directly, that way a STEEM backed debit card could be created. That would enable better extraction, and entry of fiat into the STEEM ecosystem.
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The @steemgiftcards account said they were working on that For now, the best option might be to just buy one-time debit cards.
That seems like an interesting temporary solution, but realistically a better payment processor is needed long term.