How is the view from your imaginary moral high horse?

Try this: you are a paralegal working with translating/notarizing documents from Spanish to English in Argentina. You have clients in the UK - a wine importer. You send an invoice for your work, it's circa GBP 2000, about 4 million Argentinian Pesos.

Then, you tell them about the payment options:

- pay via SWIFT. will have a 30% surcharge to account for difference between the "official" exchange rate and the "black" one, and the fact that it takes at least 7 days to clear.

- pay via cryptocurrency, which can be settled immediately, you can convert to Pesos faster and at a better rate than the official one.

Are you saying that the only correct moral action is to go through the banks?