Literal tens of billions of dollars are using these systems to great success. The numbers are refuting your arguments, and will continue to.
When we are all carrying counterfactual wallets, able to hold any number of cryptocurrency, or NFT ownership tokens (of the deed or lease to your house, social club entry etc), with social recovery from your closest family/friends when you smash your iPhone, then what will your argument against technology be, I wonder?
The traditional systems that are apparently inscrutable to you move, in SWIFT’s case, $5 trillion (with a T) per day. These generally settle in a few minutes.
P.S. Transparently resorting to straw men like “if you doubt crypto then you just don’t like technology” is the sort of stuff that prevents people from taking this movement seriously.
And if you look at the price graphs it's not always going up. It's a synthetic currency with no real backing economy (and the transaction costs are insane). Pretty straightforward.