No

A single SWiFT payment to AU will cost you $30-40 and take 3 days. A single XRP payment will cost a few cents, and take about 20 seconds. Using the native cryptocurrencies, that is, making payments using the simple tools available is a pain for most people. But the tech itself is good. The development of secondary service companies that handle the transfer and give you a nice UI to use will make all this MUCH easier. Decentralised finance is, simply put, cheaper and more efficient. It is also trustless, meaning that the bank isn't taking the risk, the sender is (or the secondary company if they decide to insure payments I guess).