Bitcoin can be used however people want. People are certainly using it. Over 162,000 transactions have been sent today, basically all of them with a fee (meaning people actually were willing to pay to use the service).

Even on a slow day, hundreds of millions in USD are transacted through Bitcoin alone. And plenty more through Ethereum. There are tons of use cases for crypto-currency as a transfer of value.

Eventually, there will be more stable coins, there will be instant (or virtually instant) transactions, and the cost to send a transaction will be virtually 0. That's the future of crypto-currency, and you'd be insane to think that once these basic milestones are achieved, that it won't serve any purpose.

It's a work in progress, but there are definitely people using the service as is right now for considerable amounts of money.