Governments don't charge money to change currency. That is done by private companies which charge a fee for it, in the same way blockchain exchanges charge a fee to trade between blockchain currencies.
I agree the currency exchange fees are higher than they should be, but... if you think that's a big need it isn't too hard to start a company to compete and lower the fees. That's what XE.com did for example.
I'm confused what you think a government should do?
The fact is plenty of companies have setup as currency exchanges.
So true. Where I am now the best option for sending / receiving money to the US is either a 50$ wire transfer, or Western Union gouging you to death. Even Paypal is not available here, and the ATM fees add up. It definitely hurts the people of poorer countries immensely to have a middleman in between all international payments. I imagine the typical case is people sending money back home to family members.
I think the first stable government that promises this to the world (probably at first via country to country agreements) is going to see their value spike (in relative terms). Not exactly sure where this would ultimately leave Bitcoin...