About "actions are slowing down".
These are exactly the nuances that you need to refer to so that the enemy does not use this as an argument for a nuance request - the operation is carried out not on the server of the issuer, but on specific paired devices, wallets of the seller and the buyer, they may not even be on the network, only then on the network or to another device, otherwise, having entered the Internet, they will notify the issuer that at such and such a time one or another operation was performed - 7 rubles were transferred from an account, 4 information and information on 1 account Simply to 1 account and this information will update 1 to the account. Its central storage. The issuer's impact on your freedom to pay and get paid lies only in the digital label. Let's say you received a child allowance and this ruble has a label "spend only on food, children's clothes, payment for services" and you wanted to buy beer - the label on this ruble will not allow you to pay for beer with this ruble. Remember how in the legend about the golden antelope, when the Raja threw the gold into the chest and said, how can I tell the difference now, what if I give you not your gold, but mine))) it won't work with a number))).
Again, in conclusion, the operation is performed at the device level, there is no queue of millions on the issuing server that slows down the operations.
So if you hear this, it's a clear sign that either the person doesn't know and is repeating someone else's stuff, or he's being maliciously stupid so that we remain under the control of the prevailing banking system))).