I only follow this topic casually but the impression I get is that the existing cryptocurrency offramps are not dependable -- they're either nonfunctional under heavy load or intentionally shut down at the drop of a hat; there isn't an entity like the FDIC to step in to gracefully shut down failing institutions, and let customers get their money out ASAP.

What would be once-per-decade anomalous events with real money seem like an everyday failure with cryptocurrency exchanges.