Literally and actually, with no exceptions, no consumer cares about a public ledger or any of its other features. They do care about being able to dispute a transaction if they are scammed or unhappy.
Crypto solves tons of problems for paranoiac techbros and get-rich-quick schemers.
As you say, this doesn't help most people in normally functioning societies, unless they're doing something where any sort of regulation is dangerous to them (often criminal activities and get rich quick schemes).
On the other hand I can see it being useful if the country is in complete meltdown, either due to a war, massive economic problems and overinflation (to Zimbabwe or Weimar Republic levels) or an authoritarian dictatorship.
Oh really? So when there's no laptops or phones to buy, or electricity to make them work, Cryptocurrency will be, you say, at it's most useful?
That's certainly a point of view.
If you have a problem, do not partake.