Yes, with the problem of proof, limits and high fees there is another problem which the the long time of transaction, for the banks we have to wait for many days to receive money once it is issued from the sender.
Any proofs about this claim or you just read this is some old articles or news? or you grown with the thinkinh like that?
Banks today are not that like that unlike in the past or maybe banks in your places still hugging the classic way and are not that big and strong institution to give their clients an easy and comfortable transactions.