Of course it's difficult. Even if you could convert it to cash you wouldn't be able to deposit in any bank or meaningfully use it. The moment you do anything with it you'll trigger anti money laundering laws and have to explain where the money came from.

It's not actually that tricky - because obtaining Monero anonymously is also tricky, the only way to do so is to put on a pair of rubber gloves, and anonymously send cash from a mailbox that can't be traced to your identity. The other side of that transaction is the party interested in converting to cash. Because there's so much demand on both ends, there are many reputable vendors with a long and trusted history of those transactions.

> Monero is great so long as you don't care about conversion to cash. That part is ... tricky.

Make no mistake, this is not coincidence. It's hard because non auditable financial transactions would undermine the fiat issuers authority.