both credit/ debit and crypto rely on some sort of network

Credit/debit rely on centralized networks which will have more of the same systems running the same software. Bitcoin is decentralized, running on several versions of several softwares and updates don't roll out to the entire network at once. Much more resistant to this kind of outage. Which is why Bitcoin has a better uptime than pretty much any bank or other financial provider. It's simply more resistant to this kind of failure.