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The procedure is the same. Adaption is not. Of course.

> The procedure is the same.

No, it's not. I can buy currency with cash, it will take me 10 min to get them from a local bank.

With bitcoins you have to jump through all kinds of hoops and pay all kinds of fees.

You pay fees for currency conversion at your local bank to. It is just hidden in the spread between their rates and the market rates.

I had to travel to Europe recently, and for my bank the difference between the market rate and what they gave me was less than 1%.

Now, what % of $20 would be gone by the time you get your bitcoins?