People in developed countries take online payments for granted. Let me give you another perspective from a third world country.
Where I live, the international payments are restricted. Most of the neobanks/payment only issue payment cards for EEA or USA and Canada. There are a few options like Dukascopy Bank, but the fees are expensive especially for micro transaction. So cryptocurrency (not all though) does have some utility for people like us.
That being said, I do agree that crypto ecosystem is filled with grifters and scammers and only a select few cryptocurrencies are actually useful.
Where I live, the international payments are restricted. Most of the neobanks/payment only issue payment cards for EEA or USA and Canada. There are a few options like Dukascopy Bank, but the fees are expensive especially for micro transaction. So cryptocurrency (not all though) does have some utility for people like us.
That being said, I do agree that crypto ecosystem is filled with grifters and scammers and only a select few cryptocurrencies are actually useful.