> That being said, I do have a business accepting card payments and the 2-3% for me is closer to 0.1% past bank fees.

Are you saying that you only pay 0.1% in fees for accepting credit cards? Is this in the US? If so, please tell me whom because that's an insanely good deal, and they are surely losing money.

Some other pieces you aren't including - credit cards are prone to fraud. Despite paying 2-3% in fees to banks, merchants have to build systems to limit this, and pay to refund any fraudulent charges. Crypto allows for a basically instant settlement that looks very much like a cash transaction.