I'm not sure if you have been following the progress the banking sector has been going through, but I can pay for things instantly, for free and that 24/7. That's extremely bullish for banks, less so for crypto.
You're thinking like a first worlder, and probably a European. In the USA banking is still a pathetic stone age joke.
If you're outside anywhere developed then banking itself, or banking that plugs in to the rest of the world, is often a wistful dream. That's why a debit card is so appealing to so many people. The people on here who ask about it the most often usually don't have many other useful options.