There are costs (in the wider not just monetary sense) and benefits to various approaches. The reason you had to resort to crypto-currency first of all seems to me to be the problems in the countries you lived in. If they had working institutions, if you had lived in a Western country and had had access to the banking there, would you have come to the same conclusions?
Also, there is a reason why Western banks and Asian ones too, it seems, prefer losing business over dealing with customers from some countries, and I doubt the reason is spite.
Having completely anonymous money sure benefits some small businesses (mostly those living in places with bad institutions), but it also enables a lot of very questionable businesses and people. I would suspect that as far as volume goes the latter might actually be far bigger than the former. As always those who have most to gain are those who have a lot of money to move (same with the question about who benefits from government more - the rich or the poor? The rich! Any "redistribution" is dwarfed by the amounts of money people get to make and to keep under the protections of strong government institutions). Anonymity, not just for money, always works for those who have their eyes closed to all the horrible things humans do when nobody is looking - and that is not a negligibly small amount. Of course, the extremely wealthy already have "anonymous money", tracing who owns what is very hard even for the government, but I doubt giving everybody access to anonymity would be a net positive.