I mainly find buyers for my sats through mutual friends and Bitcoin telegram groups. As a seller, it's super easy, there are far more people that want to buy sats than sell. I dont charge or expect to pay a fee for such transactions. And I've never been in an uncomfortable situation, either.

I've used non-KYC cards, but they are a total mess and I'm giving up on them. The KYC cards are more reliable, the fees they charge are mainly foreign currency fees.