Let's not forget that in cryptocurrency, we take out the middle man (banks and credit card companies). They are charging us to transfer our money. People do this because that has always been the way and we are accustom to it. With cryptocurrency, we take ownership of the transfer of money.
It is sort of like taking control of your health care. In the US, we have built a system of giving up control of our health care. With the exception of narcotics, if we wanted to get a medicine, chances are we have no idea what to get and it will take a doctor's visit to get a prescription. We pay heavily for this service. In other countries, people do research on what they should take and they don't need to see a doctor or get a prescription.
Ultimately switching to cryptocurrency, we will take ownership, and it would be like switching everyone from the current health care system to a system of health care found in other countries. The middle men will not like it because it would mean significant loss of business for them.
RE: What gives Crypto value? A letter to potential investors.