I can get instant, zero comission transfers with Nano, without banks. I assume there are many other cryptos like this one.
As skeptic I am about the survival of cryptos to regulators and big whales, I am actually using Nano to transfer money to people in LATAM, but as far as it becomes volatile or if it changed and had feeds, I'd just abandon it.
What's the point of bitcoin now, seriously. POW, very slow, very high transactions fees... ¿What does Bitcoin bring to the table? "Adoption" one would say, but no one is using Bitcoin to pay for anything, so the crypto enthusiasts changed the narrative to "store of value".
There are far better choices than bitcoin in and out of the crypto ecosystem for pretty much every use-case you can imagine. And the only reasons Bitcoin isn't in the ground it's because there's a lot of people invested with hope of selling for a profit.
But sure, go live in your little bubble where Bitcoin is the currency that solves all of society's problems, will forever rise in value and save the planet!