If the cost of enabling some banking for a small subset of people in countries with terrible governments is also enabling absolutely massive fraud, rampant spec

If the cost of enabling some banking for a small subset of people in countries with terrible governments is also enabling absolutely massive fraud, rampant speculation, and a transfer of wealth from less-financially-literate people to wealthy hucksters, then I think we need to find a better way to help the people in those countries. "Those people need help; this helps them; ergo, we must do this" is not sound logic.