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Nothing - I stopped using them a long time ago. Have not really had the need.

Is there a service you would recommend for converting crypto - fiat or vice versa ?

Localbitcoins is the international one. The best service depends on your location though. For example in the UK/EU you can use Bittylicious to do this:

https://bittylicious.com/

I think it's hard to find a good exchange in US that works smoothly with bank accounts which forces us to stick with Coinbase even if their customer service is the shittiest out of all exchanges. I wish there was something like LocalBitcoins for Ether.

I think the biggest problem is the local AML/KYC regulations. We are luck in the UK but who knows how long it will be until the government here starts making new rules.