That's fine, you don't have to use it. A lot of people do prefer to use it for payments and receive payments in it though. They don't want a middle-man bank and would rather their transactions were trustlessly sent and received.
At it's core cryptocurrency is a way to bypass banks if one was so inclined. Specifically currencies like Monero allow a person to send and receive payments completely anonymously, hence its increased usage on darknet markets.
At it's core cryptocurrency is a way to bypass banks if one was so inclined. Specifically currencies like Monero allow a person to send and receive payments completely anonymously, hence its increased usage on darknet markets.