Mexico started doing the same where for decades people liver on tourist visas - i got myself a residency there. I am in Thailand at the moment and would not rely on tourist VOAs. Not as easy as Mexico but surely you must be able to find a way for better visa situation.
ATM and always chose “not to apply exchange” allowing Visa and Mastercard use theirs. I guarantee you it will be always best rate and less risky than carrying cash.
The transaction fees and exchange rate of WU are crazy … not suitable for large and regular transfers. Ok for ad- hoc one -off transfer and even then Ria is much cheaper and on same principle.