I hope you appreciate how disingenuous this complaint is :(. If you want to not be tied to USD, crypto clearly does that. But someone complained that they didn't like having something that wasn't tied to USD. So crypto also solves that: DAI is a decentralized stable coin, using tons of economic incentive tricks to build something tied to USD. You don't have to use it, but that person clearly wanted something tied to USD.
Meanwhile, the banking infrastructure you all seem to love so much continues to not be programmable, continues to have multi-day settlement delays even between your own accounts (that it takes multiple days to pay off my credit card is insane), and continues to be actively exploitative of people with lots of regressive fees with built-in traps that regularly screw over the most vulnerable of people. But somehow that is all ignorable when people want to complain about crypto.
Can't crypto just solve a problem for someone and we can be happy for that? Does it really have to be better at everything at once? This person said they were getting cheaper transfers: they were paying 1% instead of 3%. Isn't that good? Why is it somehow broken if it is done with a stable coin? If these banks you love so much are so smart, why is this person so happy using crypto? Put elsewise: why are they wrong for using crypto?
This is like someone saying "I love sandwiches: they let me hold my food while I am on the go" and someone with a sour face responding "I guess if you like unhealthy heavy food! I love my salads". And I say "they do make vegetable sandwiches: they are healthy and holdable!" and being pushed back with "this is the problem I have with this new sandwich movement: they are attempting to recreate everything from salads". I mean, come on :/. If your salads are so good, why can't I hold them? Oh right, because sometimes I need a sandwich.