Yes but what you describe does not apply to me.
With my credit card transaction happen instantly (I know not really but I see no lag) I swipe my card and I take my stuff. I order online and the stuff shows up as expected.
I don’t pay my bank a fee, they pay me cash back. I know transaction costs are buried in the cost of purchases but if I paid in BitCoin or cash I would rarely get a discount.
Smart Contracts, maybe some day. I don’t do a lot of contracts, important stuff for my employer and customers and the economy I am sure. I hope Smart Contracts can make things better.
Finally I think that I have only once sent money internationally.
I am sure the Block Chain Revolution will be great but it just does not seem to deserve all the Hype and Hyperbole.