And to add insult to injury, not only is the UX bad, there is no rate limiting that happens like with normal banking, where alarm bells start ringing the minute large transactions are being made.

And banks can reverse fraudulent transactions, whereas with crypto there is the 'code is law' thing and once it's set in stone on the blockchain, there is no going back.

Also since modern computing is so leaky and insecure, crypto is being rampantly stolen all over the place. You could say the same about computing for banks, but the rate limiting, KYC, and anti-fraud measures are way ahead of crypto.