Well, it depends where we would shop. Most sellers/platforms accept Amazon pay (bank account/cc/ similar), ebay (paypal), paypal payment acceptance, faster payments (or similar, depending on country), and lately also wallet providers like skrill/neteller or similar.

There are a few shops that allow cryptos but we have never tried that.

Actively, we use paypal, linking bank account (Amazon), and faster payments. The faster payments scheme has a UK focus but there are comparable schemes in other nations.