No it isn't. Once you want to convert to fiat (so you can spend it), you're back in the realm of the regulated financial world. If you're running a small business, chances are you can't a) use your crypto without converting to fiat or b) can't use your crypto without identifying yourself to a regulated financial institution.

Since BTC, ETH, etc. are public ledgers, you're basically already giving every government agency in the world the ability to track your balances and transactions without any additional regulation or infrastructure required. Of course, if you're super careful, they might not know it's you yet, but if they really want to, they can find out and make sure you don't sleep very well at night while they wait.