I am not in the United states, I am way far away from America and in my country to use Fiat as payment is even limited, imagine you want to buy an expensive gadget that worth $6000 and your spending limit on every bank account can't exceed $3000 per month.
In every country, there is an available bank that you can send more $50,000 in one transaction. Just say, you never had that amount in your account or you have not upgraded your account. Currently, I can spend $25,000 in a day using fiat. And I will send through my local bank app, even though I dont have such amount in my account, I have a large transaction limit.