Yes, there actually is a very European way of dealing with COVID and stating arguments. First f**k everything up with random bans and restrictions, make every country come up with their own specific rules, fight over masks and vaccines, order a billion of tests that are actually useless, destroy the economy and millions︀ of small businesses and entrepreneurs, break the constitution, damage children's entire year of schooling and︁ socialising.
Then if someone protests and complains, blast them with water cannons
Dutch police blast︂ woman in the head with water cannon - if that doesn't work, maybe next time︃ try a machine gun. Some countries went totally retarded - that includes Europe, some Australian︄ states etc.
Meanwhile look at countries in South/Latin America or in Africa or even some︅ European countries outside the EU (by that I DON'T mean the UK!). The madness there︆ is way smaller. Why? Perhaps because these countries can't afford to destroy themselves for 12+︇ months continously and they need to reopen - for tourism, for the economy, for life.︈ It is surprising that even countries like Brazil or Belarus - which are basically ruled︉ by dictators and have HUGE problems of their own - have a more reasonable approach︊ towards COVID.
I have no idea about Nigeria... Back to OPs question, crypto or some︋ similar mobile payments are probably the best way. For short term stablecoins are fine, for︌ long time you can just switch to Bitcoin hehe.