anyone got a favorite payment method that actually works smoothly lately? been stuck between wire, PayPal, Payoneer, or crypto. my experience is wire is slow and clunky but reliable, PayPal is quick but can get frozen easy, Payoneer is decent but fees add up, crypto is fast but not everywhere. thinking about switching to crypto for some offers that pay out quick but not sure if its worth the hassle. what are you using and why?