It looks simple for us but not for the common man. See the common man always undergo three fold process, first he will pay the inherent miner/network fees. But we should not forget that the service provider charges for their services on the top of this network fees, and this is applied both during n-ramp and off-ramp processes.

It is fatser than SWIFT, no doubt about that, but it is not free from complexity from the lens of a common user.

Those who earn money just want to send it, u can not say them hey come learn how the crypto and bitcoin works. And network fees always go up when BTC rises. Which means when BTC will be adopted by the masses, and when BTC hits 1 million, the fees will not be affordable anymore for the commoner.