ACH is only a thing in the United States with our garbage-fire banking system though. In most countries you can do person-to-person transfers instantly with almost no fees. This is a non-issue for most people and crypto is solving it poorly.

Crypto is solving for a different part of the problem. Middleman authorities like banks, governments, and payment providers are able to limit, freeze, hold, confiscate, reroute to law enforcement at their discretion. Crypto aims to remove the middleman. It's not trying to solve payments. It's solving for independence.

Which is a niche use for which there is no consumer demand. This is not a problem the ordinary consumer faces. It's not a problem the extraordinary consumer faces. And it's actually hilariously bad for people with actual problems like this, because they need money that looks and spends like money and not like "I'm trying to hide something" money.

Which loops back to the problem: why is anyone else going to buy in?

Many people in the world are without access to banking. Bitcoin is a possible solution for some of their problems. If you're unhappy about the state of the project, I can understand your conclusions.

It's still being built out, it's not snapchat or some other anti-pattern app maze delivered by hungry VCs by a crack team of fresh grads with no moral development.

This is a protocol for financial independence. And yeah, it's new money. Old money that spends like money is the problem.