Wait until you’ve experienced the bliss of UK FPS. It’s completely free for consumers, and so fast that if I transfer money between two banks with push notifications for tx, I often get the receive notification before the sent one.
Actually, I very much might have something to hide. As do you.
You're also ignoring the censorship that happens through the exchanges when they blacklist wallets. Sure, you can send cryptocurrency from wallet to wallet, but if the exchanges blacklist the wallets, you can never get the money out to fiat currency.
I'm positive you're going to next say use monero or zcash, but then you're limited to using shady exchanges, and if you want to have your fiat bank accounts flagged, there's a great way to do it.