Have you heard of the lightning network? Instant settlement, almost zero cost. But even Bitcoin onchain takes only 10 minutes to final settlement and cost only a few dollars. Visa takes 3 months to settle, banks take weeks to finalize a big transfer and even then everything can be reverted.

You can live in denial or you can face reality. Bitcoin is a safer, faster and more transparent system compare to what we have now. The only reason you don't see it is stockholm syndrome