[m348e912]

With crypto you don't have to ask nicely, you just send. Being your own bank has it's advantages (and risks).

[rpmw]

Sure, but I'd say for just about every person the risks far outweigh the rewards. And IMO adding intermediaries to account for that risk seems an unnecessary abstraction given the current system.

[librish]

You have to ask the exchange to give you your fiat.