When I hear people criticizing  the banking system and why we should move to bitcoin and I do agree with them at this point "money should not be controlled by any one "
but they give the most worst example like the following script
" in transitional banking if i want to wire you 1000$ I have to pay 35$ fee and it take 1 or more days  to reach (which is not true wiring via banking exchange you can get it in few hours)
while in bitcoin its cheap (True in wiring fee ONLY ) and Fast(True)

BUT the do not speak about the tough joinery of how to get Bitcoin in first place
you need of the following
1- 1 year of mining
2- 3 weeks to be verified by exchange plus 5$ -10% more buy 1 bitcoin 12000$ you pay 600$ -1200$ acquisition fee  (which is crazy )
3- local bitcoin  the most expensive option 20% but the fastest (no exchange needed to verification ) but each bitcoin acquisition fee is 2400$ 
4- accept bitcoin as a payment for your service (which assume your customers already bitcoin owners)

we need to fix this two issues 
1- the speed of getting the coin
2- the acquisition fee dropped to 1% or less

this could be a great idea for ICO to resolve this issue
even with exchange they put limit like in how you can buy