Why would that happen if ALL the kids were having other people buy the money for them.
Think about it - how many people do you know would trust handing over $300 in cash to someone else to go wire it for them? Not going to happen execpt in the RAREST of cases.
This isn't the desperate 16 year old handing over $5-7 for a 6-pack.
Just google the Hawala. You'll see what I mean. They built the networks/business based on trust. Its the same like in any business - you get your customers to trust you, and charge a fee. Simple.
So if I'm unscroupulous, a I could set up a money transfer service just like that. It wouldn't go through any banks or financial institutions. Nor mail. And I could charge a fee perhaps a bit bigger than what the wire costs now, but still affordable. Considering how much enforcement there is for any of this, it'd be free money. *That* crime would *pay*. Handsomely. Especially 'cause there'd be nothing to prove. Actually I'm not sure if it would be/could be made even a crime.