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Let me just pay my rent real quick with my monopoly money
Believe it or not there are number of services that you can pay in monero and get a payment in zelle, venmo or a money order.
So no, you're not paying IN monero, you're exchanging through a middle man for a real currency, the USD. If the entity you are paying directly isn't accepting the monopoly money, then it's not the same thing
Semantics, but if saying it like that makes more sense to you then sure: I use middleman who accepts monopoly Money from me and pays my rent in "real" money for me.
I can pay my mortgage with Monero if I wish.
I bought a house with bitcoin, so..