Actually I don’t know why banking system has this limitation, specially seems to be the case with developed world . Lot of countries are moving away from it and you can transfer money 24x7.
Since everything happens online anyways and most likely automatically, most likely such restrictions occur to avoid fraud (and absence of personnel to fix issues) . Maybe Bitcoin or a similar blockchain system can solve this problem.
For me it is rather #2, but I find the technology / concept interesting. I have no idea if the value will eventually settle at 0, stay at current levels or move higher.
For me there are 2 types of people, some believe in the tech, some believe the price will just move higher and don’t care about anything else. The latter is just speculation and should not complain when experiencing significant losses. The tech “believers” think that the tech is interesting, but wouldn’t feel bad if it doesn’t work out (at least thats my opinion).
If someone thinks Crypto is not for them, fine, I don’t have a problem. First and foremost, people should always understand in what they are investing. If they decide to not invest in this specific asset, there are many other opportunities, important is that they invest in some asset (stocks, RE, metals etc.).
For BTC both people would need some kind of platform too 
It would also be necessary to convert salary from CHF to BTC
Instant payment already exists inside most other European countries.
For international payments there is Wise. And EU is adopting instant payment rules
Technical limitations simple as that. The core banking systems worldwide are mostly decades old and at the time of development nobody thought of instant payments or 24/7 payments because electronic payments were already fantastic back then.
you can already, 24x7 do instant transfers in the Eurozone. Switzerland and many other countries are following swift. Don’t understand what was so special about the ability to transfer funds over a weekend? Traditional banking as well allows for that.
Are you trying to buy a cup of coffee with a fraction of your building on 5th avenue?
Twint is limited to 3000.- by transactions, it is not an option for many things. Wise has so many fees…
How can I transfer AND settle a transaction a Sunday morning? I have never seen this. Don’t forget the settlement part.
Overall, I think you are missing the point. I doesn’t matter if you want to do it or if you prefer to rest on Sunday, that’s completely beside the point, it is not about the why and the how. Michael Saylor did it on a Sunday morning because he wanted to and there is no other way to do it than using bitcoin.
Edit: twint is even worse than I thought “A maximum of CHF 1000 can be sent to other users each calendar month, with the maximum amount that can be sent per calendar year being CHF 5000.”
Of course it is about the why, it’s always about the why. If you don’t have a why, then it’s not a use case, just a feature.
Not about your why… There is enough content about Saylor’s why
Btw non instant settlement is a feature, not a bug of financial market (it allows lending assets more smoothly, since you have a bit of time to line everything up after the trade).
(Though for retail users it’s best to hide the latency, but reducing settlement can also have an hidden cost since it makes security lending harder)
SEPA Instant Credit Transfer. Transfers and settles in less than 10 seconds.
Being very specific - I looked it up - the use cases he gave with this quote about $800m were: if you want to buy a house on Saturday, in Africa, or to buy a car on Sunday morning
Absolutely valid use cases 
Cool, where can I use it?
And another positive article on bitcoin mining and its positive impact, this time in forbes: Bitcoin Miners Riot, Verde Driving Innovation And Emissions Reduction
Most European banks already support it. Regulations change effective Jan 2025 and then, all European banks will support it. Switzerland is a bit behind but not much.
Perfect
So soon, people can transfer money / move bitcoin / shop over weekends
Use case - weekend shopping
Case settled 
70% of bitcoin didnt move for ages. Stop this nonsense of instant payments. 
i dont pay with gold, i dont pay with buildings, i dont pay with bitcoin
Cool story, I will wait to use it I guess
I still think people are missing the point of having the possibility to pay during the weekend. If someone deems it interesting of a use case, that’s nobody’s business, it is this person use case. That’s the whole point of being permissionless.
Just one other use case amongst the many.
Just a funny side note. Have my play crypto on Binance. Wanted to try to cash out small amount to check how easy or difficult it would be. Remember in 2022 it was not possible because Binance hat some issues and withdrawal via FIAT was not possible.
This time technically would be possible, but an extra windows opened for additional security check. But technically this window was blocked with a failure message.
So I transfer USDT to Coinbase > traded to EUR > send it to Swissquote via Sepa > 6h later received a completion message by Swissquote.
Anybody doing it successfully with Binance?