Recently, a friend wanted to send some money to an overseas account and set up some US stocks. After a week of hassle: first waiting in line at the bank to exchange currency, then filling out a bunch of forms that felt like a "residency check," the intermediary bank also charged an obscure fee. In the end, the money hadn't even arrived, and the stocks he was eyeing had already skyrocketed. He sighed, "Making some money isn't hard, but moving money somewhere else is just so difficult."