This is so primitive. You can swap currencies on the blockchain for less than a penny transaction fee instantly without any fraud. When I was in Cuba last year it was a 13% transaction fee from dollars to CUC and then 13% transaction fee again if you wanted to swap back to USD. Billions of people are under financial oppression around the world b/c of the fake and broken fiat monetary system. People may not feel it so much living in US or Western Europe but their is still a lot of financial friction in the most developed of countries.