No, none of the above. Except in one aspect: Because cryptocurrency for these purposes at best use a loophole in AML/KYC laws, at worst just plain break them,

No, none of the above. Except in one aspect: Because cryptocurrency for these purposes at best use a loophole in AML/KYC laws, at worst just plain break them, if you do it right there's less risk of getting caught (guilty or innocently) in mandated money laundering tripwires. I've had banks call me about source of funds, and sometimes require proof, for large "unusual" transactions. I was an innocent victim of these audits. It delayed my transactions by maybe minutes. Yes, probably some percentage of people who've lost money, through no fault of their own, to these extra checks. But for every single one of those there are at least thousands who've lost cryptocurrency due to them not having these checks and audits. And on top of that of course cryptocurrency transactions are much fewer and move less value.