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Why do you think that? .. :)

Ive worked internationally for years using swift transfers, the amount of hoops, the costs and the time. Bitcoin has already layed them flat on their faces. I dont think it needs to be better. It jsut needs to remain a stable secure place of value. Not faster. Leave faster for some front end market coin. I dont care if bitcoin is used for P2P retail transfers. Fuck it, leave it value, use litecoin for retail markets or ethereum. Let Bitcoin remain a robust money

I transferred some BTC yesterday and it was quicker than I expect. Just a few minutes and a reasonable fee. It all depends how much you're willing to pay miners.

True ... What are you happy to pay? what do you feel is a fair charge to just say send £100 worth of Btc