I think I read the parent comment differently: when crypto is claimed to be a weapon against the west, it is not because it is in any way an alternative, it is a weapon as a system supporting illicit activities against the west (money laundering, sanction evasion, state sanctioned ransomware). The fact that it slow, unscalable and expensive does not matter for those type of activities. So I thought it does not really matter that our banks are efficient.