[BB212]

I still don't get how this solves any major issues. Neither major companies or the vast majority of people need to wire money at 2am. The main utility of banks (and the main profit center) is giving users the ability to spend money on credit.

Crypto doesn't solve that. I feel like everything you said about the upside of crypto would have applied even more so to the invention of 24 hour ATMs. Was it a huge upside to users they could get money at 2am? Yes. Did it change banking - no. Will faster transfer be upside for consumers? Yes. Will it change banking - probably not the existing banks will just get faster at it and things will be marginally better. I can already use zelle to transfer instantly.