In comparison to getting your wallet compromised by viruses searching for it (and they will probably become more aggressive and adept as BTC usage increases), the chance of this happening I feel is exceedingly low. And avenues of recourse exist: there are clear leads to follow on for an investigative team.

> I've had my bank ATM card cloned by a skimmer on an ATM while I was traveling overseas

I know that my credit card covers me for this and I would get my money back if such a thing were to happen to me.

> I've had WU give me ridiculously unfavorable exchange rates, and there was nothing I could do about it

And BTC transaction fees are ever-increasing. And so is its environmental cost.

My grandma lives in .pk. I fear she would not be capable of understanding the concept of BTC or Trezor as she can barely understand how a TV remote works. She does very much grok the concept of cash money though, and is quite fond of exercising her freedom with it.

The second time, I explained it, they didn't get it. The third time, I sat them down, and made them learn how to run full nodes, run a few commands on the command line, and use bitcoin. Western Union is certainly not guaranteed, nor tyranny proof. If the governments of Argentina or Pakistan need the USD bad enough, they will every dollar Western Union is holding for recipients. To keep the story quiet and the money flowing in, they may imprison the recipients and their families. Desperate times call for desperate measures.

But that money isn't free, you may for it through higher merchant fees and lower bank interest rates.