It would be great if there's additional information for this screenshot. For example, about FPA community or which bank is used.
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.
I agree, although it's also about choosing good BTC/altcoin wallet. Few wallet doesn't even let you customize fee rate manually.