No, it's actually very easy. Moving 100k across borders with a SWIFT transfer would cost me $20-30 (and I'm a nobody, someone doing that a lot would switch to a business account and pay maybe half of that). And if you time it well (i.e. during office hours for the emitting, intermediary and receiving banks) it shouldn't take more than a couple hours.

And that's using USD. Switch to Euro as your medium and now it's costing you literally nothing or a few cents.

Bitcoin was designed to have lower fees than traditional payment processors. From the introduction of the Bitcoin whitepaper:

> The cost of mediation increases transaction costs, limiting the minimum practical transaction size and cutting off the possibility for small casual transactions, and there is a broader cost in the loss of ability to make non-reversible payments for non-reversible services.

The current narrative of BTC being "digital gold" and "only for big transactions" is not what it was originally designed as. In this sense Bitcoin Cash (BCH) [1] split from BTC to follow the original plan of electronic P2P cash that works for transactions of any size, including cents.

[1] https://www.bitcoincash.org/