About the bullshitting, it is just interesting that banking does encourage bullshitting.
Even one of my best employers who pay me in time, was always asking me to confirm if I received the money, and sometimes it take way longer, and he sometimes get concerned about it.
The bigger issue with banking is there is no way to debug it, like the CTO of the European startup used to tell me he talked to the accounting people and they are sending me my money, then 10 days later after me being super careful about it being a local issue, he is coming up with some other excuse.
Is there issues with crypto? yes a lot: inefficiencies, scams, gold rush mentality. Some of those can be solved, other will go away with time. But even if so, my point is that crypto has value and change livelihoods of some people.
If you've managed to successfully navigate all these difficulties, then congratulations and I'm not telling you you're doing anything wrong, but I don't see a budding alternative in the making, I see uneven economic development.