And Windows is supposed to be usable? I had to use Windows 10 recently (after 12 years on Linux). My compilation was very slow. I discovered antivirus is using 80% of CPU during my task. I disabled it, but somehow it re-enabled itself. Eventually I gave up and used Windows 7 on offline WM.

I have no idea how difficult it would be to use Windows as daily driver. Dig into registry every day to disable all spyware and crapware. Browse shady forums to find "hack of the week" to make Windows usable again after recent update.

Normal web and financial system has the same quirks. Right now the most convenient way to send money from EU to Russia is crypto.