It doesn't lose in every category, OP just chose a specific situation in which it was very expensive and then wrote a blog post showcasing his poor planning. A

It doesn't lose in every category, OP just chose a specific situation in which it was very expensive and then wrote a blog post showcasing his poor planning. As a counter-anecdote I saved hundreds of dollars transferring USD10,000 in the US to THB cash in Thailand via Bitcoin.