I remember that one of the leading crypto sites used to have a huge list, but it was somewhat outdated, and many of the companies were local companies. The number of big companies accepting crypto payments is much smaller, and I do not know how the situation is these days. I know for some time even Microsoft accepted it.
These days however, some of the biggest exchanges offer debit cards, so you can pay with crypto practically anywhere for most anything! As for luxury items, I remember there was even one website specifically for that, where even houses were sold, but of course it won't work to buy gold bars with debit cards offered by crypto exchanges.
That's a big down side of the medal. Anyway, to buy Gold for bitcoins is possible as I read, it's not big of an issue. AdvCash offer a debit card and it's possible to load your card with btc to fiat and fiat to card, it's what you describe.