Yep. I think paypal is far from 'permissionless money' too. Not only are their fees ever and ever higher ... they operate some pretty fishy policies. I was penalized as a homeopath as they require me to have a medical license even though they know I'm not required to and it's not possible to get one. Even though they know the law they decided to class what I do as a medical service and veto me from charging for consultations. They had me sign an affidavit which I could sign without any trouble according to its wording and I could have carried on getting paid for homeopathic consultations if I read it literally. When I pointed this out they said even though the law doesn't require me to have a medical license and the powers that be don't consider it a medical service, they do and I must not do anything I know would go against their policies.
Meanwhile, they highjacked the funds I had in my account for a long while whilst this was all resolved.
I'm not sure why they picked me out of all the homeopaths. It has happened to a few others. I spent about a month unable to get paid, still seeing all my patients, with them swearing they'd find a way to pay me whatever it took. In the end, we have used Transferwise since. The fees are a flat $3 per transaction up to $356.
I wish I could get paid in bitcoin! My patients don't have bitcoin. The rates are so mobile too I'd not know what to charge!