I had a friend that was crowed funding fund for the medical treatment of her mom, he lives in an authoritarian country and my bank system and his are very disconnected ( I would have lost about 7% of what I was sending thanks to fees).

I asked him if I could pay him in Bitcoin, he said yes. 40 mins later he had the money.

It would have taken at least 1 day for the money to clear on the traditional system. so yeah that was my "this is serious" moment.

as a note about 2 months later, one of the government owned banks, one of the few that allowed for using dollars got... "hacked" and a bunch of people got basically robbed of their funds.