You send aid to a drought-stricken farmer to some sub-saharan region with ample cheap data but no (stable) banks, how...are they supposed to store the money?
So they fund wages among other things?
Stablecoins are what are supposed to be stable sources of value, but Zeke Faux's book Number Go Up points out how opaque and unaccountable the companies managing these currencies are. From his reporting, their "tractor app" appears to be not so much farmers in sub-saharan Africa receiving aid payments but criminals looking for anonymous ways to transfer lots of money.
Currency as a tool is inextricable from currency as a representation of interconnected states and state coercive power about what can be done with it. The maximum-autonomy other end of the spectrum leads to feudalism—not equivalent to feudalism but actual feudalism.
Low-currency-autonomy systems like we have can also produce bad outcomes. But sprinting for the other end of the spectrum guarantees them.