All of those points are true for some crypto projects, and untrue for others. There are some projects with their own Blockchain that have ultra-low fees, others with quick transactions, and others whose algorithms are much more environmentally friendly. (There are other projects and tokens they are full-on scams with no redeeming value whatsoever).

And consumer protections are something that can be added to crypto, but out of necessity they involve trusting some entity to arbitrate when protection is required. Cryptocurrency is designed to be trustless, so any protections need to be added on top, like the escrow someone else talked about.

The worst thing that ever happened to crypto was for it’s price to balloon. Because improving all those other aspects that make it usable as a currency took a back seat to “wen moon?”. OG Bitcoin explicitly rejects improving its energy footprint and fee structure because it sees itself as a Store of Value.