you missed the decentralized thing.
google pay, wechat pay, internet banking, mobile banking, etc is a centralized wallet/payment system.
you store numbers in your wallet, not money.
when you try to transfer money, you just transfer the numbers. your money still in the 3rd party company.

but, with bitcoin or other cryptocurrencies,
you store the actual money in digital form.

also,
there's bitcoin lightning network that can offer you faster and cheaper bitcoin transactions.

or you can try crypto penny like doge, tron, etc.
you can send billions USD with the fee only $0,02. how cool is that?