These are fair points, my reply was to the OP who said crypto was 100% hype and speculation which I didn't agree with. I'm giving a data point of crypto being

These are fair points, my reply was to the OP who said crypto was 100% hype and speculation which I didn't agree with. I'm giving a data point of crypto being useful for me, yes BTC has been slow at points but I've also had with each bank I've ever used (Natwest/Santander/Banco Sabadell/Barclays) points where my accounts were under maintenance and couldn't be moved.