There are now many online cash payment platforms developed by central banks. Banks can solve most of the customers' needs: online payment and cash replacement. Your development team needs to be able to offer advantages to attract users and be aware that many areas do not accept Crypto.
The problem with that platform is that it's expensive and not fast.
Crypto answers that weakness and it's more transparent since we are using a decentralized system which is clearly transparent.
Well you are right to some extent but you need to visit the recent price of the market which is quite low, we can afford it easily, having bitcoin needs to be transparent because if you will have it in your wallet to store for long term it will use private key, you should not share it so there will be no problem for storing, it will increase making profit.