Crypto is in no way better money.

It’s slow and expensive and doesn’t scale.

The real answer is an alternative that relies on a centralised provider - or set of them - who use traditional databases and the like, but do things in a modern efficient way and don’t charge the same fees as the current card providers do.

The problem is that bitcoin (and similar) are so computationally intense to run, that the transaction cost is much higher than Visa's.

Furthermore, a currency needs a government (or similar kind of body) to manage its stability, by printing (and buying) money. Otherwise, we'll see wide fluctuations in value like what happens with Bitcoin.