You’re right. I find it stupendously easy to move money within/into Kenya.
I can easily pay a street seller from my US bank account, directly to his/her phone, in seconds.
Pains me to say this because I had this international bank/credit card to M-Pesa transfers idea a decade ago, a professor dissuaded me from pursuing it.
5 years later, a bunch of services launched and many are thriving.
It's probably easier to transfer funds via M-Pesa then from a bank account in Delaware to a bank account in Detroit
And, at least in theory, America is a wealthy country without any borders.
[1] https://en.wikipedia.org/wiki/M-Pesa