No Middleman Required

A crypto app shows a network fee of $0.05 for sending $200 abroad. What does that number leave out?

• Nothing; $0.05 is the full cost of the transfer
• The cost of buying the crypto and of turning it back into local money at the other end
• Only the tax on the transfer

You send money to the wrong person by mistake. On which kind of route is there a realistic chance of getting it back?

• A bank transfer, because the bank can try to recall it
• A crypto transfer, because the network can undo it
• Neither; no payment can ever be recalled