I would tend to agree…and even go a bit further if one’s intent is to is ‘physically follow/accompany’ the money for.
If one is transferring funds for use while they are in the ‘home’ country, it is just as simple to simply take the same time required to convert RMB to USD and to simply carry the cash.
Given the absurdly low conversion limits ($500/day – and where, like with the Internet, while some will complain, the system is functioning precisely as designed to discourage such activity), it is easiest in terms of time and cost to convert and simply carry the cash – providing one also follow the simple customs reporting requirements and that the transfer does not exceed any allowable limits.
Otherwise, if the purpose is simply to transfer the funds into another account allowing further potential processing by compatible systems, then Western Union wire transfer seems to be the simplest, least expensive means – especially if your time has value.
While complaining is a waste of time, it is amazing how an electronic transfer transaction that requires no human interaction by bank personnel is used purely for revenue generation and that we actually line up before being told to bend over by the oh so altruistic banks.