Living on a small island in the middle of the ocean is extremely inconvenient. We pay extra for everything because it has to come here on a barge. What do you pay for a gallon of milk? We pay upwards of $10.00 for one. Does that sound ludicrous? That's the cost of living in paradise.
I'm not a finance expert in any sense. I'm just ranting a bit about my recent experience. Going through your bank is convenient if you want cash on hand right away (it took maybe four days to get our cash). I wish I was lucky enough to live near Pacific Money Exchange, but I just couldn't justify spending the airfare to go over there for the day just to get my cash. But after taking such a hit, I think next time, that's exactly what I'll do.