You send Euros. The recipient gets Brazilian Reais. This exchange fee goes through a bank. The bank takes more fees. You continue to argue from a vantage point

You send Euros. The recipient gets Brazilian Reais. This exchange fee goes through a bank. The bank takes more fees. You continue to argue from a vantage point of someone who does not understand how the other side works and who only see the abstractions. That is perfectly fine, and I am glad that you are fortunate enough to not need to learn that. But don't pretend that you understand all the costs involved, or how the sausage is made, or even that your solutions are applicable to everyone else. I'm done here.