About 1% by card with fraud prevention options forced. Spendable money directly into my account.

The sender doesn't have to buy Bitcoin first. They don't have to wire it to me. I don't have to turn it back into money (at God knows what rate). Coinbase looks like it would take 1.49%+$2.99 at each end for a large end-to-end.

And 1% is expensive. My bank charges a flat £25 for sending internationally. Many other banks and companies charge considerably less.