As it stands, without crypto, you are pretty much a hostage to visa, mastercard, discover, and amex to exchange money effectively, and those companies are opinionated to a disturbing extent about who they deny business with when it comes to something so important.
While those companies are not operated as some sort of common carrier of transactions crypto is essential for a free global society.
Apparently Trump of all people actually tried to make it so[0], but Biden seems to have taken it down.