Great description!
Some people live in countries where some of those things are illegal. Another example of this is banned books. I can pay for entry into a private torrent tracker through a VPN to access books banned in my country.
If you need 0 connections between the cash in your bank account and what you buy online then you need something like Monero.
Sounds like https://www.rino.io/ enterprise would be a good fit. No need to run your own node, api access to wallets, and free for the first year.