> How is it not directly comparable?

Because banks were never supposed to provide untraceable, uncensorable, unsanctionable, anonymous transactions. They do the opposite.

Cryptocurrencies are not banks. They're coins. Analogous to cash which also allows for private transactions. Cryptocurrency is an attempt to create a digital cash system. It has nothing to do with banks.

> the average person doesn't care enough to pay more or use something inconvenient

Yes, this is why bitcoin failed. Normal people can't transact with it. The world will not change until everyone is transacting in cryptocurrency, leaving USD and all other currencies behind.