Crypto democratizes and decentralizes finance, banking the unbanked, debanking the overbanked, and rebanking the debanked. Using lightning network crypto eliminates middlemen and the annoying experience of transacting money between businesses and customers. With brain wallet seeds you can take your wealth with you anywhere as long as you can remember it or write it down where nobody else will see it, ever. For maximum security you can send your funds to a burner address, withdrawing them from circulation and ensuring nobody can ever steal them.

I know you said no loans, but I can't skip mentioning DeFi which enables anybody to borrow their own money from themselves, anytime, fully electronically and without centralization.

Then you have smart contracts, which are like a computer, but on everybody's computer at the same time. You can write full programs with complexity nearing that of FizzBuzz and run them worldwide for only hundreds of dollars.

Just imagine a world without crypto. It would be like a world without hackysack, or a world without mail order swords on the shopping channel. Unrecognizable and primitive.