That screenshot does not fit to your comment...
In a Bitcoin wallet like Alby currently is one people hold Bitcoin. So they need and have Bitcoin, yes. Always has been like that.
We'll get to higher-level solutions where this is hidden (kinda like Sam Sethi :pc2red: ⁂ (npub1thg…zq23) already does)
(btw. in the EU we actually are now also able to have instant fiat topups with a simple bank transfer.)