To be honest, payment systems are well-known for being a difficult, risky and low-margin business that are the front-lines of defense against fraud and malicious bots trying to take advantage of any tiny bug they can to swipe someone's funds. It's really not surprising that the crypto promoters have washed their hands of any responsibility about this, passing it around like a big game of musical chairs to whatever project makes the most empty promises it can about being a scalable solution (but still having no answer to the problem of massive fraud and bot attacks).
As for your second item, illegally circumventing capital controls in favor of a risky, unregulated offshore bank (that repeatedly denies they are a bank in order to avoid being shut down, because they couldn't possibly comply with banking regulations) is not actually helping anyone store or accumulate wealth in a developing economy.
[1]: https://blog.dshr.org/2020/01/bitcoins-lightning-network.htm...