I also tried not to pass judgement. I understand that less regulation leads to more crime (and I think we are seeing evidence of that). What I'm trying to say is that this solves a problem for people who want less regulation.

With respect to simplicity and fees; If I want to send money to a family member in Botswana, I can do that in about a minute with something like Stellar. The transaction fees are negligible (<1 cent). Converting to fiat to actually use it, does carry some fees (roughly 2 x 0.1% on Binance). I couldn't get an exact quote from Western Union, but I remember it being a lot more expensive and a lot more hassle (granted, it's been over a decade since I last used them)