When i moved out i bought a house and now that i dont live there i rent it out . Since then it has already paid itself off and more . Granted it wasn ' t THAT expensive in hindsight at the time it was all i could afford . Now i also use as collateral to buy more currently own 4 paying fifth of entirely outta money from other houses . This investment has worked out nicely for me but i also live in a central state so houses are cheaper <| sep |> The problem isn ' t in the mempool or fees , Bitcoin protocol is inherently slow . Bitcoin mining is a Poisson process , thus you might end up waiting for a confirmation for an hour even if mempool is nearly empty . This happens about once per week . Bigger blocks won ' t help . We need better wallet UX and second layer protocols like Lightning Network . The problem is that ATMs are optimized for happy case , not worst case . It shouldn ' t be the case when you work with money .