I'm continually stunned and angered by how slow fiat is, how difficult it is get access to or move my money, how many fees they charge for me to use or move my money, and in general at the overall experience. Now that I've seen the light I can't believe how many people think the fiat system is fine and works well. The general attitude of fiat seems to be "screw you, we have your money now we are going to treat it like it is ours and we'll make it as hard (and costly) as possible for you to get it or use it."