Again, have you ever tried paying people via wire transfers in countries like Nigeria? In a lot of these places, things like Paypal don’t work. So you have to

Again, have you ever tried paying people via wire transfers in countries like Nigeria? In a lot of these places, things like Paypal don’t work. So you have to send wires. You get an awful exchange rate + fees for sending it. And they get an even worse exchange rate when receiving it You easily lose 5-10% spread for every payment And the “avoid taxes” part is, again, heavily western biased where for all their ills, the governments actually work for the people. I say as someone from a third world country - taxes are largely siphoned off by politicians and bureaucrats. Everything from public schools and hospitals and roads are unusable. Avoiding taxes is perfectly morally correct if all it does is feed an oppressive machine