[rualca]

> But the delay is after the bitcoins are converted to fiat (...)

If you're trying to discuss aspects of the transaction then either you focus specifically on the crypto-to-crypto part of the transaction, or the fiat-to-fiat. The crypto-to-crypto part of the transaction is arguably fast but you are forced to address Bitcoin's volatility, which makes it unsuited as a store of value. The fiat-to-fiat aspect of the transaction on the other hand is arguably slower than simple bank transactions, and often with higher cost.

Every crypto proponent is doing a colossal disservice to crypto by portraying a romanticized and intensely rose-tainted view of crypto. In truth you're just setting up everyone around you to be disappointed. Between magical schemes where crypto transactions are magically instant and cost-free and pretending that crypto is not highly volatile (see the last Bitcoin 50% crash a couple months ago, or yesterday's flash crash) you're unwittingly pulling a bait-and-switch and in the process turning everyone away from it.