It is clearly stated in the message, that the regional bank used an intermediary bank to handle the transaction and the intermediary bank charged this ridiculous 100 euro fee. I guess that the guy, who made that bank wire transfer didn't knew that his regional bank is using intermediary bank to handle certain transactions. The blame should be put on the regional bank, because the bank didn't warn him, that the transaction is going to be processed by an intermediary bank, that is going to charge excessive fees.
Bitcoin/crypto is better, but only when you know how to use a BTC/altcoin wallet. I've heard many horror stories of people, who sent BTC and paid absurd transaction fees, because they were sending the BTC in the wrong time or their wallet settings weren't adjusted correctly.