Sending stablecoins is much cheaper and faster than sending a wire, and that requires Ethereum (or similar chain).

Of course, the bottleneck then becomes converting stablecoin dollars to real dollars.

In the end, maybe that friction is actually a net positive for safety.

I don't know, whenever I have to send money to friends, it's free and transferred instantly (Tikkie).

Whener I tried to send Crypto, there were fees over fees, from wallets, transfer fees, etc., probably I was doing something wrong, but that was the most frictionless path