Although this is obvious in most of the world, and in this case in the US, in the EU this doesn't exist. I can "wire" any practical amount of euros and it will be spendable by the receiver the same day, or in some cases one bank day later. Without any fee paid. Sadly the EU banking system is more efficient than on chain or LN transactions, for now.
Discussion
Centralization has some benefits, but final settlement and censorship resistance isn’t among them
Which is important but when thinking of onboarding Europeans there is no benefit in transaction efficiency yet. Of course understanding the other benefits will convince many people, but those aren't in the category ease of use where most Europeans tend to look.