After leaving a negative review, I had to clarify it. I had to deliberately go through this experience: #1213998, and so, giving enough proof that P2P is the way:
So, here's what was wrote to them:
I've been using Yellowcard since 2022. Everything worked well when your focus was on financial freedom through Bitcoin as the ultimate tool for financial and economic sovereignty. However, all has changed, and your services seems to be all scam, the moment you turned to crypto. We're all aware that cryptos were designed to do one thing...only to enrich their creators, founders and insiders, by exploiting the users.
No wonder your services are now creating the worst user experience ever. Your support team is the worst.
So, despite being the only service to buy Bitcoin with cash via mobile money or bank, I wouldn't recommend your very bad service to anyone, unless I want them suffer and fall victims of their own hard-earned money. I would rather warn them to "please stay away from Yellowcard. It's scam. All their claims are tricks trying to fool and scam you".