Thankfully things have improved greatly thanks to #DeFi
You don’t need a crypto exchange like Binance to convert STORJ, just use Uniswap
There you can convert STORJ directly to DAI (a stablecoin pledge to the USD) or to ETH (or any other ERC20 token - but I don’t think you want this)
With DAI or ETH you can: 1) send DAI to compound to grow your money (better than any bank savings account - interest rate is currently over 5% year) 2) send DAI or ETH to your Monolith card, so you can exchange it to EURO and use it in any shop 3) just keep it in your hardware wallet
If I get my setup running and all I don’t think I will withdraw every month for the reasons you quoted above (fees here and there), so probably would do this every 3 months or more. And I probably won’t change to fiat for the next two years… the future with Ethereum 2 looks very promising.