Back in the early 90's, very few could have envisioned the the internet becoming what is it today. I think we are witnessing a similar evolution for digital assets/technology.
I think you might be blinding yourself to the truth. People in some countries are using crypto to escape their local currencies until the last possible minute.
No we do not. Internet connected the world. Bitcoin would be a tiny niche had it not been for fake shit like stable coins that pushed it beyond any bubble this world has ever seen. There is not one thing Bitcoin solved that we have issues with.
Well I had to send a security deposit to my landlady; Can't send an e-transfer between countries. What bank do you deal with? I couldn't get a Canadian bank to transfer money to a US bank.
Ah; It's a new service with BMO. (Jan this year;maybe in response to crypto) I had my problems a few years back. I opened an account with BMO Harris in the US to solve it.