>>2) It's been a LONG time since we can transfer money really fast at a really low cost

Transferring money from many places in the world is not cheap or easy (think of third world countries) - but even in more developed countries it can take quite long and have heavy fees. Crypto enables people to be their own bank.

really? what can you use to transfer money from the US to the Philippines "really fast at a really low cost"?

I transferred nearly 1000€ worth of BTC yesterday and it took one hour and cost cents.