Various. For example, I was living and working in Ukraine and without some sort of.. let's call it instruments... I would not have been able to get my money in

Various. For example, I was living and working in Ukraine and without some sort of.. let's call it instruments... I would not have been able to get my money in the clear and legal into the western bank. Because obviously all money earned in Ukraine could only be made criminally, no way a ukrainian programmer could earn some. Must be a criminal. One western bank even told me in private: "we do understand stealing a train of coal and laundering bribes from Ukraine, this is common and the risk is clear for us; but we have no idea about your IT stuff and things, it scares us". Of course, it's getting easier today in some ways but good luck exporting any substantial amount of money from Ukraine into the world and in the clear. Practically impossible without some help of money laundering services. Now I expect to be downvoted to hell because the everyday reality of being from a third-world country is incomprehensible to American people so it must be me in the wrong.