>I've done many wire transfers and many crypto transfers and the one consistent thing I've found is the crypto transfers are both cheaper and faster.

Don't fall into the trap of "current centralized system has problems, current decentralized system is different (in your opinion better), therefore decentralized is better"

Centralized payments will always be faster/cheaper than decentralized, just from a first-principles architecture standpoint, so we should be working on making those better (cynically, we are, they just get less attention because retail investors can't speculate on those technologies as easily)