Change my mind:

Paying a crypto address is simpler than making a bank transfer.

IBANs, SWIFT and sort codes, account numbers, routing numbers, ACH, ABA, physical addresses (of the bank or of the recipient?), KYC verifications, etc.

Bank accounts are a mess.

Co-Founder at sablier.com, and open-source developer. I have a broad range of interests, including longevity, epistemology, physics, and psychology.

Yes and no. Crypto honestly isn’t very user friendly. The addresses are verbose. The ability to permanently lose assets due to mistakes on either end is high. At least with a bank you are somewhat protected from being an idiot. Crypto has a ways to go before it’s at that level.