You have to have US dollars to change. Those of us who have been here for years and get our social security direct deposit to a US bank account don't have US dollars.
Lunch for most workers is between 12 h and 14 h. tourists are not the only ones who use Western Union. I get there at 10 minutes to 9h. When they open. No lines.
I feel you. I am the same. I will be dripping in sweat when everyone else is just fine. Last summers heat wave, I didn't leave my apartment for three days. The humidity was brutal. But, I live here so I just live with it.