1) Not secured and insured
Neither is your change that you keep under the mattress
2) No interest
If you depend on an interest from 22k you are poor
3) Support illegal activities
Only by US standards, which mean fuck all in the rest of the world.
4) Not universally accepted
Accepted in any ATM worldwide
5) Poor customer service
Haven't had any support issues. Have you tried picking up the phone and calling them?