I don’t think you would want to wait for hours for a payment to settle only for it to fail later because of the gas fees.

> Crypto exchanges have not blocked russian users.

Yes they have and they can.

> call it what you want, it's not like other kinds of money are ideal 'currencies'.

It isn’t money if it is loses 60% of its value in a couple of hours with additional fees I didn’t agree to.

It’s a distributed casino that only speculators use, and it would certainly won’t be useful when it all comes crashing down.