For example, if I want to send US dollars to someone, I fill out a form and my bank charges me $20 and then emails me asking to call them and then I call them a

For example, if I want to send US dollars to someone, I fill out a form and my bank charges me $20 and then emails me asking to call them and then I call them and wait on hold for half an hour and then I have successfully sent the US dollars to the person, so they'll have it within a day or so (unless there's a weekend or a holiday). If I want to send SPL USDC to someone, I do not pay $20 and I do not wait on the phone and the person has the SPL USDC within a few seconds.