Today I sent a small amount of USD from my Coinbase account, to my bank account. It says I will not receive those funds for 3 full days. Any other bank in the world would make that transaction almost immediately. Why does Coinbase take their sweet time? That is cruddy. Coinbase treats fiat like it is crypto. I am glad I do not have funds in Coinbase anymore, well, in a few days I won't.
Where have you seen wire transfers processing instantly? It takes 3 days minimum. This is the traditional banking we are speaking about. Who the hell told you it is instant???
Even the money you sent from your card to buy on Amazon they are not delivered instantly. Amazon sees them on their account on the next working day! So if you buy something at Friday Amazon will have the money available only on Monday.
What is actually instant is only
transfers between accounts of the same bank.