Modern online banking is not much inferior to cryptocurrencies in these parameters (depending on your country of residence and the development of digital banking).
Regular banking system does not work in weekends and holidays when it comes to wire transfers, this is where cryptocurrency is really shining for me.
Privacy - This depends on which cryptocurrency you're using, Bitcoin is fully transparent and using it privately is challenge, for many too hard of a challenge.
As for fees, FIAT banks have many hidden fees and if you carefully don't check your bank statements you may never even know.