Send money to chile and wise charges 5-8%. They mostly only good in OECD countries. Plus they don't support sending money out of hundreds of countries.

I figured that they changed their name to wise as their transfer business was not profitable in anticipation of their ipo.

People who don't get crypto typically live in countries with not corrupt or inept government officials.

That's not true everywhere. My transferwise from EU to Asia takes a good week to arrive and still costs more than Bitcoin and significantly more than any altcoin or lightning network.