My bank does those wires for free…
Check rates quoted on the final statement versus those prevailing at that time.
For a few limited cases of going USD -> USD (in foreign jurisdiction), and the USD is not converted to anything else ever, there may be a net win.
In all other cases (the majority), you, or the receiver will at some point be paying far more than the wire fee for any transfer over a grand or so.
Schwab operates these retail banking services as a loss-leader for their investment products.
I've never experienced a bank that hasn't silently gouged on forex, and this is the first I've even heard of one that didn't.
Definitely good to continue to be vigilant about such claims.
As for BTC, I wouldn't use it for anything other than a store of value - there are far better crypto options for transferring value. Some cost fractions of cent and take seconds.
Others cost single-digit dollars, but are fiat-pegged so there's no volatility risk at all.