So, yes, most all western nations excluded. Listen, I get that someone wants to use cryptos for money transfers in a banana republic. Though that will most likely increase corruption and illegal activity even further. In western countries, though, we have well developed and proven and inexpensive payment systems. Are you missing anything for any of your payments?
I get you live in a bubble where you think most of the world is the western world and that bubble extends to thinking crypto is a useless venture, so really there's no point in trying to convince you otherwise.