That's not a big of a deal as you're making it out to be. I can say this because I use bitcoin regularly in commerce. I pay 3 cents equivalent (typical fast fee over the last handful of months) plus maybe 20 cents if I'm silly and use something like coinbase to purchase bitcoin initially.

And then my transaction clears in 10-20 minutes instead of a day or two like the banks' ACH network.

For 0 cents, my bank does overnight transactions.

For 10 cents they do it in under 10 seconds.

SEPA Inst is a thing now.

One of the other benefits of bitcoin is that you can use it or send it anywhere. Not just Europe or $otherrestrictedproprietaryregionssystem.

Most people don't really send their money out of Europe. Or if they do it's a very rare and exceptional event.