If the user in question here wanted to move $100 million in fiat from one bank account to another, how much paperwork do you think they would need to fill in for their bank? How many people would they need to speak to and get permission from first, both at their bank and the receiving bank? How many third parties would need to sign off on it first?
Ever heard of a cashiers check?
https://www.investopedia.com/best-ways-to-get-a-cashier-s-check-4590106That's all they would need to do. Bring ID to the bank and pay the cashiers check fee. Everything has a fee for sending, even bitcoin.
you will find cashiers checks are actually more variable/complicated
if i wanted to move my hoard from one address to another... none of that.
i dont even have to put my shoes on..
..let alone not need to get value transferred from
digital currency->paper currency(check)->digital currency
which generates CTR and requires ID and yep takes 2 days to clear
(only amounts under $5.5k are same day no ID depending on bank)