Isn't that really bad though? I paid for a VPS with my credit card recently. The transaction appeared to complete instantly. No 25 dollar transaction fee, no multiple hops through different software interfaces, just click and done. If it turned out the VPS company was a scam, I could've made a single phone call and reversed the charge saving my money.

Crypto is slower, more expensive, and less safe. True, it's only eight years old, but the important thing is it's much worse than current solutions - at least on the dimensions that I think most people care about. Plus, it's not like online credit cards are that much older.