I am of the opinion that these restrictions are used (quietly) to preform a kind of capital restrictions while not (officially) having such capital restrictions in place. This happens because governments (or populations?) have accepted that, say, an agriculture bill (or law) can have sections that cover tech. So if you are trying to do something and you don't want to say it, you slip it in under "fraud" or "AML" or something else.

Now that everyone (including third-world countries) have figured that out; and legacy companies (big Tech, MasterCard/Visa, big banks) know that this makes their customer life hellish however it kills competition: They'll bend over backward, forward and multi-laterally to implement anything that any lawmaker asks them for.

If you are a very simple simpleton, say a government official with a single income, a regular rental, and regular bills (your groceries and your kids pencils), you'll very unlikely face any issue. But start to deviate from that, and everything starts breaking. Governments are becoming hostile to anything that doesn't fit their narrative.

This is only getting worse from here...