All of these options you listed are significantly more expensive, and some of the contractors I work with don't even have that option due to KYC requirements -

All of these options you listed are significantly more expensive, and some of the contractors I work with don't even have that option due to KYC requirements - these people don't have access to functioning governments, they don't have passports. Also, most of my contractors don't use/have bank accounts (because where they live it costs money to have one) - so no way to take out the money if they used these services. I did this dance at least 100 times and never ever had a problem with price fluctuation. Bitcoin is pretty stable on a 3-day timeframe.