There are still significant fees doing transactions over blockchain and those giant hegemonies are what allow things like charge backs and fraud detection while if somone hacks your wallet and steals all your crypto, it’s gone forever. It’s great if you’re trying to launder money or pay for sketchy things but I still don’t get the draw for the average person, just decentralization is not that valuable
People use VISA because they like the convenience and assurance it gives them over cash or a bank transfer, both of which don’t have a fee. Crypto both has neither and is more expensive per transaction.
