Sure, but wire transfers aren’t the competition. Credit/debit cards are what people use to pay for things now and they process in a fraction of a second.
No, you’re mistaken. I am not aware of anyone advocating for use of bitcoin for retail transactions; rather, the preferred use case is as a store of value with zero-cost international transfers. Wire transfers of fiat currency are precisely what Bitcoin is competing with.
Dont forget things like ACH transfers, PayPal, Zelle, etc.