Things like that happen when you have an intermediate handling the transaction, and personally for my day to day transactions I'm happy with using the existing banking system
BUT the existing system does have flaws in my opinion. For one example, sex workers, banks do not like touching that subject. Crypto removes the gatekeepers to electronic payment transfers, well it does until you want to convert it back to fiat and your crypto gets blacklisted by the exchanges. But me personally, I don't think crypto is the answer, but kicking banks into understanding that adults are adults and don't need banks holding the reins.
(Granted payments in the adult industry are some of the most charged back which becomes a pain for payment providers).
And back to the topic: yes banks deserve some stronger kicks and that can be achieved only through politics (aka, getting involved). Cryptids only shuffle the burden around a bit.
BUt I get your point, I used some automated "pay by crypto" checkout system a few months ago, their automated system never picked up the transaction even though the coins where in their wallet, they first blamed me and said they would refund if I paid the fee's which were not in a coin I had on hand so had to do some giggling about to get this small amount (was like < $1 of coins so it was easier to just pay this fee than it was to complain), then after they recieved this fee they said they would return the funds minus 8% as that 8% was their "handling fee".
NOW they did return all the funds I transfered so maybe that 2nd email was just a canned message but it was still a jab to the gut them saying "yeah, our system messed up and we want you to pay to fix it".