You don't find crypto useful or worthwhile because you're privileged enough to:
- Be banked;
- Live in a country with a somewhat stable currency, in which exchanging to another currency is legal;
- Live under a regime that does not impose authoritarian censorship on whom you can exchange value with;
- Use payment processors that only abuse your privacy when you aren't looking.
These conditions are not the case for everyone, everywhere. Is it so difficult for you to imagine that:
- Crypto, once matured, could enable the ~2 billion people that are unbanked to own their own money?
- Someone living in a country with a hyperinflationary currency, that bans currency conversions and precious metals, would like to use crypto to preserve their life's savings?
- Someone might want to donate to an entity opposing an authoritarian, human-rights abusing government, without painting a target on their back? (And no, we both know lawyers are not viable for this.)
Throughout human history, there has not been a single government that has not egregiously failed its people or abused/destroyed the wealth of its citizens.
You seem to think that we have arrived at some special time where this will never happen again. That is not the case. Encryption protects your speech, and cryptocurrency protects your wealth, from governments that will inevitably fail you as surely as the sun will rise.