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.
Take note that i do not support op's assessment of fiat currencies and banks, people who overpay in transaction fees when using BTC is not a problem with the BTC system, but their own mistake, and since BTC is a decentralized network, its users have to learn to be their own bank. They should know how to check the mempool before making a tx and how to consolidate their inputs to save up on future fees, however, the problem in the op is more about the system in this case, rather than the individual.
Maybe people doesn't check the transaction fees before they send the money so they pay a high fees. But when they accept the high fees and still send their money, that will not be a problem for them because they know the risks behind that. They actually can delay sending their money especially when the fees become high and needs to wait for some time until the fees is decrease.
Many people still use bank and fiat to transact and they can accept the fees. Even if bank have disadvantage, people can understand that so we don't have to worry with that. Usually, when someone want to make a transaction in their bank, the bank officer will explain how much the fees so that will depends on the customer if they want to continue the process or will wait for a while. Besides that, Bitcoin and fiat is not the same especially from one currency to other currencies.