In my personal experience, the transfer fees, transaction times, and the fact that the market can crash overnight, makes cryptocurrencies more trouble than they're worth, at least at the moment.
I don't particularly care whether crypto succeeds or not but transfer fees and long confirmation times are pretty much relegated to bitcoin only and even then are much less now than they were in the end of 2017. ethereum is very cheap and fast to send, and there are many altcoins that offer free/extremely fast payments.
