How is the current system 'a mess'?

It powers the whole world. Almost every kind of transaction you can think of.

If people would follow the regs most things would work.

I think the biggest issue is transactional drag aka something needs to replace VISA, and should be nicer consumer protections for personal accounts but for the most part it works.

Nothing Crypto has offered is better, not even close.

I suggest someday that may happen, but it will 'feel' much more like traditional bakning when it happens.

There is a reason why banking is the most 'buttoned down, small-c conservative' industry because oversight, competency etc. all of that matters. It's that world.

... notwithstanding some other issues that would exist with crypto as well, such as mortgage lending etc..