Not only much more expensive and slower than crypto, but also not permissionless. I had funds frozen up for before because of an identity/location verification

Not only much more expensive and slower than crypto, but also not permissionless. I had funds frozen up for before because of an identity/location verification misunderstanding. It was all sorted out through customer support, but it took a week. Closed my account after that because I don't want to take that risk, I just want to transfer funds without middleman hassle. Great as long as it works for you. Just wait until you yourself are stuck in a situation such as "Google locked my account and I can't reach support", "Stripe banned my business for no good reason" or "Wise froze my funds" - you literally see these threads on HN every week. Crypto suddenly starts to look a lot more appealing once you've experienced these situations yourself.