The fee terror is real

Withdrawal fees, trade fees, network fees, air fees. If it's a token, it's even worse, requiring two withdrawals (ERC20 token + Ether, or the equivalent of the used network).

The amount of steps required to use layer 2 solutions or things like TLM and WAX are just so damn high and everyone along the way takes a cut.

This isn't how crypto is supposed to be. Currently, instead of paying one central party, there's a dozen different parties all wanting a share.

Sending money via banks cost ZERO and in some areas instant payments are being rolled out, such as SEPA instant payments.

It should be in everyone's interest to make crypto usable, but all these fees for using crypto is really frustrating and likely slowing down the adoption.