> Maybe that's where we're talking past each other.

I think we are :-)

I was referring to legal regulation and oversight, which is there for very good reasons and is the primary reason most banks/cus have someone whose job includes handling international wires. But also, talking with someone who really understands the legal and financial landscape before firing a few grand off to another country is enormously helpful (but not worth the $60 per xfer!).

I agree there's fat that could be trimmed, as well as just unnecessary charges for the sake of making money off of market position. But for me, the best case scenario is getting rid of that without the extra intermediary. But really, I suppose if the crypto currency is mostly used for bank-to-bank, I don't much care about the back end as long as it works and it's cheap.

edit: I'm not sure what got touched, random bits needed improving.