laws for the financial class

What happened to money when you transfer money from an investment account or cash app on external account to your checking account and it takes five to seven business days to complete the transfer that's if you want to complete the transfer without paying a 15% transfer fee to a third party or a subsidiary of the bank. 

Years ago I purchased the car with my Bitcoin earnings I was fortunate enough to be able to purchase the car for cash it took me a day to turn my Bitcoin into Cash on cash app that was long enough the following day I went to the dealership and I was ready to pay for the car with my cash-app card however the sales agent recognized that I had a Wells Fargo account and said that they would rather I paid with my debit card from my Wells Fargo account so I quickl and went online to transfer the money from cashapp. to my checking account to Wells Fargo and I didn't realize I had pressed the free option which meant that it was going to take seven business days from that point for the money to reach my checking account I thought I was going to leave with the car that day and the truck I arrived in was in no condition to take me back home the $27,000 I was prepared to pay for the car was now in Twilight zone I had no access to it it wasn't mine my net worth had diminished by that amount and I wouldn't have access to it for at least a week because I failed to pay an unnecessary transfer instant transfer fee. 

How how is this a viable legal  business model? is it  not just abuse of power and a divorce from the fiduciary responsibility inhéntvin the to role of financial caretakers..vis someone literally taking my money and carrying it to the next instant financial institution why on Earth would it take that long to transfer money digitally in the age of digital ascendancy this sort of immoral punishment for not paying more to some kickback scheme should be illegal it's an abuse of power it's immoral it's an unethical and it really does hurt the consumer but while legislatures focus on criminalizing everything that working class people do I don't think that this is even an illegal consideration or something tha would be created to protect consumers because financial and immoral actions are just accepted and acquiesced while the immoral actions of middle and lower class institutions and groups of people are legislated and prosecuted how is holding my money unless I paid your friend a few percent for a week not just another method of strong arm mafia style financial bullying.

Who owns these transfer fee comupanies how much money is being made from these transfer fees. And what happens if I experience an emergency. When my  money is in purgatory?