> In Europe a standard free IBAN money transfer probably does not lead to much spying either.

Sorry to be the bearer of bad news, but this is just flat out wrong.

Also sorry I'm not able to provide tangible proof other than I have personally witnessed and been affected by the exact opposite of what you claim.

IBAN transactions big and small are extensively monitored and not on a one-by-one basis but rather used to paint a clear picture of economic actors and their interactions.