I dont get the problem with the slow transaction complaints
I have an electrum wallet and once I receive btc it takes a few secs to show up, then I can send the btc to anyone right away, its usually just exchanges which take awhile to process btc to the account
I recently added money to my Charles Schwab trading account. I also just added some BTC to my Havelock Investments account. The first took 2 days to complete using ACH and the latter took about an hour. You can't even compare the two.