This can't happen with Bitcoin, all transactions are transparent, you can easily know where the fault comes from and less than $0.3 will complete the transaction in minutes.
What makes bitcoin unique from centralized banks is that it is all your responsibility. If something wrong happens while you are doing a transaction, it is your fault since no one else has access to your coins but you.
The problem with centralized banks also applies to centralized exchanges. You are giving them access to your coins and any mistake can come from your part or theirs.
The bank transfer must have delayed his transaction for at least two days only to realize that almost €100 was charged for transferring €1,000 to the beneficiary account. Fiat is just silly, banks are crook and feeding fat on people's money.
The difference between bitcoin transactions and bank ones, once something wrong has happened you can never reverse your bitcoin transaction. You can’t blame anyone but yourself. So a sense of responsibility should be present. With banks, you can blame them but you won’t have any guarantee that you can get back your money. They can and they will twist their written rules as much as they can.
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