I feel the EU did a much better job at solving cross border payments than crypto has. So I would say crypto is really only interesting for illegal stuff in places with working banks.
As long as I do transactions within the EU they are easy and cheap. Which is s good thing the EU forced the banks to do.
It's pretty easy to think of a counterexample to this..
Cross border payments, collateralized loans, drugs, gambling, prediction markets, inflation/instability hedge.
Whether or not you disagree that crypto is a good solution for any of these, it's pretty wild to claim "zero utility" in 2021.