Cryptocurrency works with the internet so that if there is any internet interruption then there is no transaction, this is of course the state's consideration to use cryptocurrency so I think the current currency is better than cryptocurrency.
Regular currencies are far much better than cryptocurencies. There are lots of things that makes regular currencies far much better than cryptocurencies, and the number point is that regular currencies can be used both offline and online
Yes, these days, banks are offering a lot of ways to make transactions fast both physical and online. Next point is being reliable.