one thing that's important to understand is that your experience is very different from someone that already has crypto, and earns crypto. for you, you have to go buy crypto first, and you won't do that. for someone that already has an inventory of crypto, its just get cash as needed.
for them its just crypto -> USD which is very fast. for me, in the US as a US citizen, that is 2 minutes up to $25,000. from a personal crypto wallet, to the exchange, to my bank or brokerage account. beyond $25,000 it is 15 minutes to 2 hours via domestic wire transfer.
so one likely unreported aspect of crypto is that it likely has reduced international wire transfers, and cross border transfers that are prone to error and erroneous reviews and holdups
for about a decade now I have paid people in other countries in crypto. and been paid in crypto from some revenue sources. and we both liquidated as domestic transfers in our local countries. specifically because we didn't want to bother with international bank issues and time delays.
even hedge fund and private equity fund administrators that are more competitive allow in-kind investment of new limited partners in crypto, for many years now
the other thing thats important to understand is that there is a growing group that doesn't want "money they can spend" because they are liquid. they can buy goods, services, invest, day trade, passive income all in crypto within the crypto ecosystem. and for other things they can get the cash when they need it, or simply use a debit card that is custodying their crypto and representing it as the local fiat currency
but truthfully, going from USD -> crypto is fast too. if you're a US citizen you just need to use wire transfers to the exchange. SEPA region can also do same day settlement.
your user story and assumptions are really antiquated and don't represent what's been happening for at least 10 years now. if it doesn't apply to you then thats fine and move on