100% agree!Personally, they paid me out 303.5 today (cash pickup) which if we look at street rate for paper dollars, effectively ALMOST zeros out the fee. I think it puts me at like 273 vs 287 bills sold on street. And I can keep my paper dollars on me for safety. Dollar for dollar moneygram is worse for me right now, considerably. Moneygram netting somewhere around 263ish. So overall, all told, I'm happy with code-free WU.