Your reasons are the main ones, but I'm surprised nobody
mentioned currency conversion fees as a third income stream.
Not exact matches
You start off talking about charges for foreign -
currency transactions (not really the same as
currency conversion fees), but then you
mention the
fees for accessing exchange rate data - not really sure what your numerical example is intended to indicate.
Not to
mention possible
currency conversion fees and such, on top of having to use another email address and such...