So crypto is fine for transactions that I can wait a few tens of minutes to a few hours to resolve, but not ones that I want to make at the rate of every fiat currency I hold.
I can see how other people would have that use-case.
You do understand that proof of stake has absolutely nothing to do with transaction speed or fees -- speed depends on how many nodes you want to agree on any transaction (decentralization) while the fees depend on how congested the network gets in an open pricing model for fees?
Unless you are a crypto expert in it for the technology, that you happened to learn from random shiller YouTube videos.
Exchanges allow for sub-second resolution of a transaction because the resolution is actually pushing numbers around in the exchange's own internal tables (or between trusted exchanges). Banks offer similar service when trading fiat currency (either because they can resolve an internal account-to-account transaction or because they'll float the risk of fraud until they can resolve a cross-firm transaction). But if you want to have the Bitcoin network agree on a transaction, it has to get buried several blocks deep in the chain, and that takes time.
Ah, yes I don't disagree. IMO, I don't think the use case for crypto is to replace fiat, but I can see how those that operate from that assumption/desire would experience friction.
I can see how other people would have that use-case.