> There is nothing I'm aware of that I need to do financially which I can do with Bitcoin (or the like) which I'm not better able to do with the regular banking system.

I would suggest that your life experience may not be the best yardstick for every other human.

I will provide an example of a recent situation in which I would have loved to be able to use e.g. Bitcoin. I (US based] did some consulting work for a company in France and they owed me something like $6k. Arranging an incoming international bank wire was a huge pain (if you don’t do this regularly, you’ll have to navigate multiple layers at your bank to find someone who can provide the actual wire details to provide to the counterparty), it took many days to finalize, AND I was charged $25 by my bank for the privilege.

In contrast, I should have been able to provide the French company a BTC address, have had them transmit for pennies or a few dollars at most, and have payment secured and confirmed within the hour.