If you're going to follow all laws they create anyway (this is impossible even if you try) there is no point in using Bitcoin or Monero. Fiat is logically better in that case especially as time passes and more regulations choke out any potential benefit on permissioned markets.

https://github.com/libbitcoin/libbitcoin-system/wiki/Permissionless-Principle
https://github.com/libbitcoin/libbitcoin-system/wiki/Value-Proposition