I'm 100% onboard with the enabling underbanked people argument for crypto. There's countless people all over the world who can't get a bank account, or if they could, can't get one that is reliable or useful enough for their needs. Eg, maybe the currency is too unstable, or maybe there's too many restrictions on international transfers and commerce etc etc. These people are left with cash and predatory "businesses" like Western Union as their only options. It's not fair and can and should change, but sadly, crypto has spectacularly failed to deliver on its potential here.