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.
People still make losses in bitcoin, losses is not just secluded to fiats. If someone is obviously not careful with crypto transactions, they can make costly mistakes, and what makes it bad is that usually when a mistake has been made, it is irreversible and costly. New crypto investors need to be sure of self-custody because it has it's risk too. Some people have made some mistakes in bitcoin that made them regret investing in it, know mistakes so you avoid them.