境内KYC和境外选择——是必要的恶，还是纯粹的恶？

I think it's a bit of both. While KYC definitely adds friction, it's also a necessary evil to combat serious financial crime. The question is whether the current level of friction is disproportionate to the benefit.

KYC is definitely making things more complex, but calling it 'just evil' might be a stretch. It's more likely that the offshore options are being used by those who were already looking to avoid the system, not necessarily because KYC forced their hand.