So your setup process is the same as wise or PayPal. You still had to do the process so crypto is best case harder since you also had to setup and manage a wallet unless you're just using the exchange one.

Go look at the subreddit of any of the major exchanges and they all regularly have stories of locked funds. Given the scales it would be far more likely there.

That's not a natural state of banking though that's a issue with your country. I have accounts at 4 different banks in Australia and regularly transfer funds between them without issue(I think my cap for instant transfer is around $5k though above that is usually only a few hours). Canada had a similar system(interac payments).

> Go look at the subreddit of any of the major exchanges and they all regularly have stories of locked funds. Given the scales it would be far more likely there.

Yeah that's why I wouldn't suggest anyone keeping a lot of funds on an exchange, and having custody of your own wallet. "Harder" is irrelevant (and relative) because a one-time setup in order to send money instantly — something that I need to reiterate that if our country's banking systems allowed us to do, I wouldn't look twice at crypto — is worth it.

> That's not a natural state of banking though that's a issue with your country.

Yeah I think that's my point though. If my country ("the great US of A") prevents me from easily moving money from me to me, and I've also had nothing but trouble trying to manage joint finances with my wife because of the difficulty of transferring money, then yeah I don't wanna play that game. In countries where bank transfers are instant then yeah, crypto doesn't make sense.