He's trying to send money to his family abroad. Add a 6.7% fee.
Now he's looking for a cheaper option. Hide the FX spread inside the exchange rate.
Good. He thinks he found a "no fee" transfer. Make it arrive in 4 days.
nothing else in your life has cutoff times anymore.
you stream at 3 AM. you order food on sundays. you book flights on christmas.
but for a reason, your money waits for monday.