What your friends experience in their banking transactions is quite strange and has never experienced this, when making transactions at an ATM if the receipt is out then the funds will definitely be received directly by the destination account as well as when using mobile banking,
maybe you are in a third country so banking transactions are still that difficult.
I believe banking SOP is universal. So whether a person is living in a developing country or a developed country, the procedure is the same. I also experienced withdrawing in an atm and the ATM debiting an amount without me receiving the funds, I always call the banks CS, and gives 5 working days to fix the issue but it usually takes a day or two.
The good thing with centralized services is that we can reverse the transaction if the company allows it while we cannot do that in Bitcoin. Though Bitcoin transfer saved us from middlemen, if we f*ck up in our transfer, we will never get back the fund transferred to the wrong address.
your story is very confusing for this bank problem, if you use an atm machine if the receipt comes out automatically the funds you send will definitely come in, so also if you transfer through a bank teller, but now it's sophisticated, it doesn't take 5 minutes for the money to come in
did your friend cheated by mr jhon?
Is your friend's money back now with the previous status ASAP?
but congrats to you for convincing your friend by investing bitcoin and teaching him step by step,
I hope your friend is ready to face a situation like the current unstable market for an undetermined time
@OP stated two cases,
1. the transfer of funds The transfer of funds is delayed because of a network error (possibly it is on the receiver's part of verifying the transfer but transfer actually went through)
2. the failed withdrawal of funds but debited ( the ATM machine debited the amount but the ATM does not dispense the money)
All in all, it is good to have an alternative option when the banking system gives us headaches like the one stated by @OP and Bitcoin gives that alternative and better option of transfering funds, the only downside is that when using Bitcoin, all the responsibility is upon the user.