60 million real people. People that forget a password, lose their wallet, encounter fraud, need to walk into banks occasionally, use debit cards/deal with cash/ATMs, credit cards that are also accepted everywhere, and as you point out financing products people can actually use (not some crazy smart contract DEX who knows what), need help, have questions, etc, etc, etc.
Safety deposit boxes to notary services the list just never ends. This is just retail.
Plus little things like at least trying to comply with the law, customer protections, regulation, oversight, fraud departments, etc.
People that even bring up comparison to the banking or financial system in discussion of bitcoin power usage instantly have zero credibility.
Although the same could be said for almost any comparison between bitcoin and the banking system. It has total users measured in the 7-8 figures tops after 16 years for many valid reason.