Disruption in any industry takes time but when there's a broken business model that favors one party over the consumers, eventually someone will come in and turn things around. Think about Blockbuster Video. For years they were the only way to watch movies and they had membership fees and late fees and everything else that screwed people over...and then Netflix came in and destroyed their business model. They offered consumers the same service but without the fees or hassle of having to return a video to the store. The same can happen in the cryptocurrency world. Why put your money in a bank and pay their fees when you have an alternative?
Bitcoin's fees will be only marginally smaller than banking fees, even with Lightning Network. To some people it will indeed be a reason to switch to Bitcoin, but for others it will be not enough to outweigh the risks of using Bitcoin. Same with speed - even now many banks have nearly instant transactions for small amounts.
Bitcoin's improvement lies in freedom, not in speed or fees, and majority of the population doesn't want freedom, they want someone to take care of them in exchange for their money. And the problem of Bitcoin is that its freedom comes with
responsibility of being your own bank.
In your examples the new services were overall better than the old ones, but Bitcoin is not overall better than banks for an average joe.
Bank fees, at least in North American banks, are more than just transfer fees. Most of the time banks require you keep a minimum balance to avoid fees on accounts, they charge you for checks, they charge you for withdrawals (too many or from the wrong ATM), they charge you foreign transaction fees, they charge you for bank drafts, and on and on. Even services that were free a few years ago have charges now. People are sick of paying all these fees just for the banks to keep their money.
Then there's the issue of how much they monitor your activity. If you deposit too much cash they'll report you to the government. Also if the government makes a request the banks are obligated to report your financial activity...and even worse than that the government can freeze your assets so you can't even access your OWN money that's in a bank.
The truth is that the banking system is a broken model that benefits the banks themselves over the consumers. They've been long due for a disruption and it's possible that Bitcoin can be that disruption.
Once Bitcoin is 1) more stable (price-wise) and 2) easier to use/adopt, I think you'll see a bigger surge of people using it.