I wish people were more aware of fees. You pay around 1% of the amount as a fee. Without these fees, everytihng could be 1% cheaper. Imagine every person in the world making 1% more overnight. 1% of your money is a lot.

That is why you will never be able to give money to a friend this way. You give $100, but they receive $99. They give it back after a week, and you receive $98.