It's actually useful in places that don't have great financial access. I'm guessing your estimate of "very few people" is from a place that has good access?
It is a way to transfer value. I'm from the Philippines and I'm seeing increasing usage in remittance or getting paid salaries from abroad.
I also get a better feel for what else bitcoin is doing with this podcast episode "Alex Gladstein on Why Bitcoin Matters for Freedom" https://pca.st/aQy0