Plenty of people with “serious money” use their cryptocurrency - be it as a currency or for whatever other purpose it was designed. In fact, they probably use it more than the average person since many of them made it from being a crypto developer.

In any case, there’s a big difference between “needing a middleman” to do something and leaving your funds with a middleman indefinitely. That’s like needing to use a taxi and paying with cash versus leaving your life savings with the taxi person so some day when you maybe want to use a taxi it’ll be easier.