Great post! In Canada we use Interac Email Transfers widely now.. its about a buck for up to 3k... I dont know if they have those "pay day loan" places where you live - but thats pretty much what paypal feels like to me after theyre done with you! Quadriga is an exchange in Vancouver that allows Email transfer to bitcoin and vice versa - if anyone is in Canada and looking for a solution (they also offer merchant services) its the cheapest and easiest method by far. Im not sure if I would use them as a wallet however!