I wasted years of my life in crypto

Considering the transaction time and cost, crypto never made sense. As fast as I can tell, it's been pure speculation since its inception.

What? Most of networks nowadays are faster or as fast and cheaper than normal credit card and banking systems.

It's pretty obvious when people are using cached information from ten years ago.

Not really. Credit cards are immediate.

Bank transfers can be quick but also can be slow so fair point there.

I dont experience much friction paying for things though so I dont feel I need crypto for that.

Credit card payments may seem immediate for you, the customer. But for the business owner it's not always so since the customer than issue a recall and many people abuse this to great cost for the businesses. See "chargeback fraud".

Yes. By design because it is credit and under jurisdiction of consumer law.