so i used to go to a bank, show my ID, open an account, wait for a bunch of random restrictions on Zelle limits to pass, ACH payments to go through for many day

so i used to go to a bank, show my ID, open an account, wait for a bunch of random restrictions on Zelle limits to pass, ACH payments to go through for many days, and other crap to settle. Now it's the same exact routine through Coinbase. Upload my ID, wait for them to allow me to actually move amounts more than a kid's lunch money, wait for days on end to withdraw, etc etc. And in the end some of these payments in both flows are handled by Visa. I'm missing the "wow" part of this deal.