It's a permissioned system.
Crypto is intended to be fundamentally different. Good crypto is permissionless. If you own it, you can spend it, regardless of what anyone thinks.
Which is also its primary drawback.
Transactions are non-reversable, which inherently makes it unsafe for wide-scale use. Consumer protection is so important, clawing back payments is an incredibly important part of that.
Wrong copy-paste and all my money could just be gone forever? Yeah no, that's never going to fly in countries where consumer protection is seen as an important public good and always expected.
What you tout as a plus, is a major negative for the vast majority of people in developed democratic countries. In quite a few of them, access to a bank account is even a fundamental right.
And all that just because of some abstract fear? nty.
I like the idea of my money being my money and not just mine as long as my government isn't annoyed with me. I don't much care if other people are afraid of it. That's a great thing about crypto. You are free not to participate, unlike the corpo-fiat systems.
Your government already has a monopoly on violence and owns your whole life.
When you use Pix, your money is not in custody of the government. The money goes to/comes from a standard commercial bank, just like a wire transfer. What the government (Central Bank) does is just the infrastructure for moving money between bank accounts.
The point about not being a global standard is valid, though. Although there are initiatives in progress to connect similar instant payment systems from different countries as other users have noted.