BTC (&altcoins) to yen easily?

Hi guys. First off, if this is the wrong board to post this question, please advise me and I'll move it (or a mod can move it).

Anyway, like most of you I am holding a lot of BTC and various other alt coins, primarily ETH. All of my holdings come from Steemit and trading SBD on the exchanges.

Anyway, my question is... how can I actually get this "money" changed into yen to use? I don't intend to use it. I want to hold crypto long-term. But, if there is an emergency (such as something happens to one of my kids) I want to know how to quickly get at it to use.

I am American, but I live in Japan so I need to change it to yen. To be honest, I don't even know how I could change to dollars. I have been trying to link my coinbase account to my (US) bank for the past year, but they keep rejecting my ID for some reason and support is not helpful, so that is out. Perhaps a Bitpay card?

But then again, with BTC transfer fees so extremely high right now, I'd just as soon change my ETH to yen in the event of that emergency. Is it possible to do that quickly and easily? Any ideas, for BTC to yen or any alt coin to yen?

Thanks for any suggestions!