Clear and brief explanation, you deserve some accolade, I learnt today.
If you have ever been stucked with a pending transaction on ethereum network, you will value what OP has posted. The congestion on ethereum blockchain has made everything becomes difficult to use their network , I could remember last year how easy and fast it was to make a transaction but the recent rush on DeFi has made it hilarious. Requiring an average $8-$10 to make a transaction is ridiculous compare to the services of traditional banks who offer same service to move funds.
The delay on Eth2.0 has made the whole thing a mess. I prefer tron with USDT transactions.