I regularly ship 5-6 digits between countries. It's not even hard.
And I do it without gas fees (there's paying the spread, but if I'd use cryptocurrency then I'd have to pay the spread twice).
And I can do it without the fear of a mistake, or a hack (of me or the bank), taking away the deposit on my house.
The proposed cure is worse than the disease.
Maybe the average nonprivileged will succeed once or twice, but this is like going to Vegas and using the martingale system: It'll make you win consistently, right up to the point where you lose everything you have.
I've always found the "what about the third world" arguments bizarre. As if villages and huts are filled with technical geniuses who will never lose their passwords.
And if not wallet keys, then all the blockchain mini-banks who give you no recourse if you lose your second factor, and don't have to because they're not regulated.
And that's the mini-banks who aren't plain rugpulls, or get hacked.
The people who are privileged enough to successfully be able to use cryptocurrencies are also privileged enough to even more successfully use proper banking.
Please review the HN guidelines: https://news.ycombinator.com/newsguidelines.html
I will not engage further.