All of them ; governments , businesses , individuals... It has banks worried, because cryptocurrency eliminates the need for their services. Since they don't have to pass through multiple hands, transactions take place much more quickly. It also has caused concern because it's become harder to regulate financial activity, which has especially interesting implications on the international level.
Since the usage of cryptocurrencies has eliminated the banks from the equation, the demand for escrows have become more and now a days the scams related to cryptocurrencies has tremendously grown. You can see on telegram and many other messaging apps that if two persons are trading then the one which sends first get easily scammed as there aren't any charge backs and bitcoin itself is pseudonymous so the receiver can easily get away with the money.
About cross border sending of funds and relation of bitcoins to money laundering, you will always see a slippage in sending huge amounts of bitcoins so it isn't feasible at all to do such trades with bitcoins.
You are right unfortunately. A scam is a way to steal money from people under false pretenses. Currently, the cryptocurrency market is not regulated enough to protect people from scams, so that is why it is such a common thing among users of digital currencies.