[twox2]

Correct, there is no point in holding crypto on an exchange. If you hold your own crypto, you don't have this problem.

[shadowgovt]

So crypto is fine for transactions that I can wait a few tens of minutes to a few hours to resolve, but not ones that I want to make at the rate of every fiat currency I hold.

I can see how other people would have that use-case.

[koonsolo]

There are cryptocurrencies with sub second transactions and zero or almost zero transaction fees. Welcome to the world of Proof of Stake.

[twox2]

I don't see how this relates to my comment above at all.