Ok if thats not a typo then here's what I have to say; there are exchanges that are canadian that work with the banks so that example you gave is null and void. Last time I checked I could still buy with my credit card on coinbase too. Out of respect to this board I wont post the name of the exchange. As for localbitcoins, any reputable dealer will show a newb what to do to get set up. You are providing a service at an overly elevated fee, and are the reason guys don't want to get into bitcoin. As for atm any one can learn that from a 5 minute youtube video. Who in their right mind would pay $100 dollars to get set up and buy bitcoin. You can flame this post I really care not, however any man woman or child with a quarter of a brain will go elsewhere, but hey who am I to say right? LOL. Hell, any source worth their weight will teach new clients how to set it up for free, cmon, we were all born but none of us were born yesterday.