I agree. It's almost hilariously counterintuitive. I recently needed to send a moderate sum of money (4 figures) to someone who lives across the country. There's no obvious reason why this should cost me anything or not happen in the same day. However,

* Checks / ACH takes days to close, plus in many situations you might have to actually mail the person a check

* EFT seems reliable, but takes days and requires having been previously set up and authenticated (which borders on impossible if you don't own both accounts).

* Wiring seems like the obvious solution, but depending on your combination of banks fees are going to be >1% for transactions of my size. I also failed to get a wire to happen in <24 hours online for reasons I still don't understand.

* Using a money sending service like Google Pay sounds reasonable enough, but even assuming you're under the transaction limit and have already set up everything necessary to satisfy their fraud prevention systems, any large amount will still take multiple days to fully clear.

On the other hand, while Bitcoin's slow transaction times are a pain for in-person merchant payments, being able to send even large sums of money reliably in less than an hour for (comparatively) a small fee seems almost miraculous. It's true that if you need to go USD -> BTC -> USD it takes much longer, but that's more a problem with currency exchange than an inherent limitation of the currency itself.