If one truly doesn't need it for day to day expenses and just saving (assuming its at least over $200), one can: buy some btc at a walmart coinstar kiosk[0] with the cash (or any other cash for bitcoin methods that has been around since ~2009), sell it for eth with bisq network[1], bridge it to avalanche[2] for weth.e and sell for dai.e (decentralized overcollateralized stablecoin to the $) and at least 1 avax (for future gas costs, you can get away with holding less if one watches the fees), and put the dai.e in yieldyak benqi farm[3] (decentralized non custodial overcollateralized protocol) for over %20 APY in dai.e?

Might loose a bit to fees getting it on chain(s) (though less than intl money transfers if one is used to that), but should make it back pretty quickly.

[0] https://www.reuters.com/business/walmart-allowing-some-shopp...

[1] https://github.com/bisq-network/bisq

[2] https://bridge.avax.network/

[3] https://yieldyak.com/farms?platform=benqi