The value is too volatile in most crypto schemes to enable anything like remittance or other consumer level transactions. You need either a stablecoin scheme, which introduces a centralized authority (and in that case, you've reinvented paypal and people will just use paypal) or some reliable method where your coins can be sold immediately at a guaranteed price otherwise if you want to send $50 to your cousin in the developing world by the time you've wasted time going through all the hassle of doing so they're now worth $25.

For your off chain problems Egor Homakov's Failsafe Network (now called Fairlayer) addresses that problem https://github.com/fairlayer/wiki

For your request of being able to just pay with your phone anywhere you go, with an easy to use interface that registers payments immediately, Moxie's mobilecoin project may be the answer if it's ever realized https://www.mobilecoin.com/

Basically you just need to wait for this to mature, and for the majority of speculators to get run out when it all collapses. It would be nice to have reliable exchanges as well instead of every few weeks discovering another scandal of price fixing or stolen coins.