Transfers can be dirt cheap with normal money (e.g.: Single Euro Payment Area), and your banking system can be transparent enough (the US one already is), if your regulating body cares about it. The average individual neither can change it, nor cares. If many people can’t help themselves but get fleeced, as happened recently on a large scale in the crypto space, at best you can struggle to recreate regulatory agencies in some kludgey crypto form. Most egregiously, all this is still worse than pointless, because the true differential value-add in crypto comes from enabling value flows for undesirable activities like crime, and it’s only possible thanks to horrible incentive system that rewards wasting energy.
You have admitted that I was correct in refuting you: all desired qualities of the current system can exist on Bitcoin no problem.
Then you moved the goal post. If Bitcoin is pointless because it has no use case, you would have started with that point and not been drawn into critiquing an aspect reliant on the assumption it is useful.
