How many days holiday does our local banks take and does the bank stop online banking services during those holidays period? Just the way Bitcoin transactions can be done online, so as bank transactions can also be conducted via data connections, you don't have to visit a banking center before payment. If you choose to accept Bitcoin in your business, it's just to enhance the business and also stand a chance of benefits from Bitcoin volatility, not really because of bank issues. If you ask me, I would say Fiat is working perfectly fine but should business adopt Bitcoin, yes but at will.
But when you have some transaction failures or other issues, you would have to go to the bank to rectify it. And during holidays or weekends, some banks don't offer services. Accepting Bitcoin in your business could be a means of attracting crypto users to patronise the venture. Fiat banking has some challenges because of government policies, so we can't say banks are working without flaws.