Let me tell you some facts about bitcoin aka be your own bank, we humans more often tends to make mistakes and with bitcoin people can often pay wrong amount and especially there are multiple cases the users paid million dollars in the fee itself due to simple fault from their wallet or due to their own ignorance. And I am telling you this just to make my point the reason of bitcoin existence is much bigger than the banking issues that can delay the payments, its against the whole system and who are in control of it.