- The exchange rate from USD <-> country where I live can be expensive - Because every USD <-> local currency may have processing fees (credit cards on retail,

- The exchange rate from USD <-> country where I live can be expensive - Because every USD <-> local currency may have processing fees (credit cards on retail, withdrawal fees for large FX traders) - Because some banks use the opportunity to slap tons of other fees By holding crypto, one can legally avoid all of these costs.