this guy kuda lar
when naik that time crypto is everything
when turun that time, fiat is everything

everything also got naik turun one, you see got one /k here i will not name, bought at high price also relaks only

Does Moneygram allow you to transfer MYR 200k anywhere in the world? Does TransferWise allow you to transfer GBP100k instantly back to Malaysia?

Even when it comes to transferring smalller amounts like MYR30k, the transaction fees for crypto win hands down. I'm not sure whether you did your maths correctly or not. I can transfer XRP anywhere in the world in less than 2 minutes by paying less than $0.30 in transaction fees. Which bank can provide this rate? Even $20 is peanuts when compared to the rates that Fiat money changer provider charge, unless you're talking about really small amounts.

There are different use case for different payment options. Cash is good for small transactions in pasar. Credit card is good too, for small to medium transactions. Crypto is currently good for large and cross border transactions.

Lets not forget, there has been a time when credit cards are not accepted for small transactions. Adoption of new technology takes time.
Again, currently there are really only 2 types of people:

1) The ones who knows how to use crypto, and actually have enough wealth to maximise its use
2) The ones who don't. This group may know how to invest or speculate in it, but they don't necessarily know how to use it.