99% is actually generous lol. There's 2,200 US dollar billionaires globally, and if you're sending $1B you probably have at least $2B which is going to narrow down the problem space pretty significantly. However, being generous, that's a problem that 99.99997% of the world cannot by definition have.
Maybe crypto just isn't for us plebs. On the other hand when I get paid my salary I can be pretty damn sure it still has enough value to be able to pay my bills even a year from now. With crypto I don't think I could even get a good nights sleep not knowing if my money is worth 50% less tomorrow, or 50% more. I also tend to lose things a lot, which with a regular bank is no problem, I just call support and show my ID or what-not, but with crypto I would end up homeless, and those conveniences are very much worth the tiny bank fees if you ask me.
