Most currencies are dogshit remittance tools but have the benefit of being harder to regulate and monitor than PayPal, western union, swift etc.
You're probably right, but they will be centralised cryptos and thus kind of defeat the whole point.
I often need to wait for many days for a SWIFT to get through. There are fees — sometimes way larger than crypto fees. Transactions are frequently blocked, and I end up spending a lot of time convincing my bank that the transfer is legitimate.
Plus, they tell you that if there's an error, like sending money to the wrong account, it can't be reversed — just like with crypto. So really, what's the point of all that extra hassle?