You complain about the lack of timeliness with wire and interbank transfers in the regular system, and talk about the 'underdeveloped' economies that don't afford people many luxuries...

... so suggest that they use crypto, which for many, comes with an onerous fee too, to be timely. Your "buy from the shop" example better not be urgent, otherwise you're paying gas for someone to verify it, or it sits in the queue.