Most people don't understand crypto, how it works, and the real business reason for it. (e.g. speculation vs. security and how you handle the private key). So people do the obvious - speculation and doing something illegal.

Unless you live in a country with poor infrastructure and serious criminal activity everywhere with the banks. But you could always use venmo and paypay for most things, or a foreign back.

I rarely see a list of the validity of each use case and how effective it is vs. other tools for storing and transacting money.

So we're back to the easy stuff: speculation and doing something illegal.