That doesn't invalidate crypto
> Traditional banking and fiat money is good
With flaws that crypto solves
> nobody actually pays anything with crypto because of inconvenience, transfer costs, speed and value instability
False, there are merchants that accept payments in crypto and stablecoins. Though it is true that asset transfers are currently the more prominent use case for crypto than everyday transactions.
> it's an asset used to convert from / to fiat money, it's an investment product, it's a ledger of certificates for poorly drawn or generated jpegs.
Ok, and what's the problem? There are many other applications for crypto you didn't address that could be found in any "intro to web3" article. Also dismissing NFTs as just "a ledger of certificates for poorly drawn or generated jpegs" shows you've done literally zero research on NFTs. There's more to NFTs than pictures of monkeys.
> The only success stories and practical applications for crypto and blockchain technology I've heard is people getting rich off it
That's because you haven't done any research on what you're dismissing.