Can't be a missed opportunity if it never took off.

People know what they like/dislike, and crypto payments didn't cut it for whatever reasons. UX, cost, and waiting for blockchain confirmations come to mind.

Also what problems did it solve that we actually have? Without that, there's no incentive for change.

Cryptocurrency didn't actually solve the problems we have, while introducing problems we didn't need to solve, because almost all of them copied Bitcoin. The only problems it solved well was for grifter politicians and criminals skirting financial regulations.

Note this transfer mechanism requires trust in your banking provider, is not pseudo-anonymous, is not decentralised, uses the banking system we already have and doesn't require a whole new 'currency' in order to transfer money.