I feel you! It is all ridiculously complex and needlessly expensive. Much of it related to the US banking system being ridiclously cumbersome and antiquated. My relatives in Denmark can just log into their home banking, click a couple of buttons and send money all over Europe and Asia.

As a Danish national living in the USA (and other places) this has been a source of frustration for several decades!

I guess I'm just going to have to be patient until crypto is more widely accepted.