If from USA, do you need a lawyer/pay taxes on LL?

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Say you are USA citizen and you pay for LL with Giotikas in Greece

Some people said that for sums like 60k$ USD that you should use a lawyer, but should you? Won't that just cost more? What bad stuff will happen if you don't use a lawyer?

Or should you use ACH transfer, wire, or transferwise? I don't really understand how to pay money with these sums, I only pay for grocery stuff with credit card/debit card

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"American Express Traveler's checks are what I used to pay for my surgery."

Whoa! Amex is accepted outside of America? I don't know much about checks and credit cards but I heard from alot of people Amex is not accepted in alot of places outside of America

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How many months beforehand and in how many transferwise payments would you split the payment to Dr. Giotikas for internal Gnail femurs?

I'm trying to figure out the timeline and how much time to leave in between actions