totally agree. It’s actually too easy with an agent. When people complain it’s because they refuse to hire an agent. You will have 0 problem as long as you have $$$
My US bank said the same thing about Transferwise 2 months ago. Bitcoin and WU are your best options at the moment but more and more WU are closed. All banks and even WU are starting to ask more questions. All this harassing scrutiny will only fuel Bitcoin as the the go-to medium of exchange.