Because the example you said about the internet (from loading webpage to video streaming) does sound amazing. What's the "parallel" for crypto that you see?
What if you were able to do micropayments efficiently on the web?
What if many contractual agreements between parties were settled on blockchain, and monies held in escrow disbursed automatically based on pre-programmed rules?
And centralized solutions will always be faster.
Meanwhile, the banking system itself is not centralized. It's quite slow to settle monetary transfers from bank-to-bank.
Right now, Lightning Network is live on BTC's chain. It's instant, near free, and yet it's decentralized.
Most crypto-things have this idea that they servers validating transactions have to be compensated and that anyone can do this validation. (validation == mining)
Having a few well regulated entities do all the mining is a centralized system that can be verified externally. Without all the cost of decentralization. And with the added security that validators are trusted entities.
Business payments are delayed not because there is an underlying fault in the payment systems (wire transfers are nearly instantaneous, at least within the country), but because businesses sit on payments.
A new technology isn't going to solve this problem. Businesses like to hold onto invoices as long as they can get away with it.
This sums it up better than I could. The wrenching of power away from centralized authorities and organizations (which we have seen abuse us and our privacy mercilessly for their gain) to decentralized applications with no middlemen, that are free of censorship, and can not be "stopped."
In your example of the early internet (too slow to load webpage, to streaming video), you described a direct benefit you experienced personally (you needed to access a piece of content and it got that to you fast)
But when you use crypto, you said it's revolutionary because it "wrenches power from centralized authorities". That is not a direct benefit you experienced personally. That description is a high-level concept.
So, it's hard for me to see the parallel.
How is there still this much FAD in cryptocurrencies considering their terrible scaling technology and economic solutions?
So without a bank, who's going to loan you money? Because unless you're donating pennies from hundreds of thousands of people, it's going to be an entity with a fair amount of $CURRENCY, so basically a bank.