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May be you spend not so much money like bank transfer to exchange crypto to fiat but in all cases it costs a lot. Crypto transactions become cheap, but exchange crypto to fiat is expensive.
The main problem is connect crypto to fiat and make an exchange of crypto to fiat more simple and cheap is still a problem.
To connect crypto to fiat legally it is necessary to have a bank licenses but it is very hard to get such kind of licenses. But if crypto startup gets such licenses the exchange crytpo to fiat becomes very expensive
BTC 
A private user can find an exchange on the illegal market. We ignore the risk of losing exchange money. There you can exchange cryptocurrency for 5% fee. This is not bad with poor infrastructure.