Yes, and I'm not saying that's a good thing, but I do think it's important to stay factual in complaints.

However another massive issue except the fees is data flow. I don't need US corporations to know about all my transactions that otherwise do not relate to them at all.

It should be in the interest of all countries to have a payment scheme that is not reliant on the US or another massive foreign power. Thankfully, many countries do have their own scheme, though it seems Kenya unfortunately doesn't.