So we don't mean to say the you're a "sucker" for going to "banks" and accepting their unfavorable "exchange rates" and "exchange limits." All we're trying to say is that there are other, perhaps less painful, paths to obtaining the foreign currency you desire. What's that? Is it legal? OK, let's just stay away from ridiculous black-and-white labels for a moment, and discuss money changing options with an open mind...