I should be able to transact with anyone, anywhere in the world, near instantly with little or no fees.

This isn't some radical, cyberpunk extremist, this is just pure trade. We have technology to facilitate this but we've been held back for decades by greed and legislation.

I would like to restrict you, yes you personally, from transacting with criminals… because that makes them more powerful and me less safe.

I’m sorry that your fellow humans don’t want you shitting up the place, but don’t blame the bog standard norms of civilisation on some sort of government conspiracy.