The transactions I used them for was buying metal bullion. I can't find anything else that clears in under 30 minutes through most the online vendors that is cheaper than the credit card transaction costs. Sometimes they discount crypto down to "cash" (ACH/wire) price, sometimes its somewhere between "cash" and credit price.

>Where did I call anything better?

I was referring to your several references to "better" in your prior comment. "Better" was first introduced by yourself, including in your straw man disagreement about not falling into the trap of decentralized being "better."