Bitcoin transaction times aren’t much better - I see recent times in the 15-80 minute range on average, well in the thousands range earlier this year.

It’s also odd not to acknowledge that banks have had electronic transfers for decades. You wait seconds for a card transaction and almost every financial institution allows you to do transfers without visiting a physical office.

I can transfer value within seconds using Zelle, Venmo, Paypal, Square, etc., for free right where I'm sitting now. Nowhere near a bank.

AFAIK, Bitcoin takes a minimum of 10 minutes assuming that I wish to pay the going transaction fee, or as long as 3 days (or even never!!!) if I use a de minimis fee. And that's assuming a significant risk that the value of the value transferred will not have the same value by the time the transaction actually goes through.

I should have warned you people will try to downvote you for trying to help me