People see crypto as something criminal, but the difference with banks is that everyone is bank and everyone can see who sent what to who.

I stuidied a bit of the swiss anti-taxe evasion and some other law used in swiss. Most of these law even with low minimum have been created after some shady affaires where swiss bankers would accecpt large cash euros to escape taxes. 200€ minimum, is probably to prevent injection of illegal funds in swiss economy.