Gains from efficiency are experienced by labor in chunks, mostly due to great strife or revolutions (40 hour work week, child labor laws, etc.). Gains in efficiency experienced by capital are immediate and continuously accruing.

No, being beholden to a payments and banking system that can cancel you at any time, for any reason, with little hope for redress.

That you can't transfer large sum of money because money laundering rule. and you can't break it into smaller pieces either because that is called "structuring" and is a crime?