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Of course it's difficult. Even if you could convert it to cash you wouldn't be able to deposit in any bank or meaningfully use it. The moment you do anything with it you'll trigger anti money laundering laws and have to explain where the money came from.
It isn't very difficult, see my earlier post. Once successfully converted the cash can be used in a multitude of different ways.
With an imagination and taking proper anonymity safeguards, the possibilities are endless.
Well yeah, you also have to launder the money if you’re a criminal enterprise…
From a criminal perspective you may not have to launder it. Just deposit your XMR/ZEC into an exchange and sell it. If they ask, say you bought it years ago at $10.