Why use a payment processor at all for crypto? The whole point of crypto is that you can do it yourself, without requiring permission from the rent-seeking bank

Why use a payment processor at all for crypto? The whole point of crypto is that you can do it yourself, without requiring permission from the rent-seeking banks. The fees are not that great for many of them. For Monero, which is the most commonly used privacy coin and probably most commonly used for illegal transactions nowadays, it's under 0.01% for most transactions.