Here are some use cases that give it a non-zero value:
It competes with Western Union for money transfers.
It provides ways to transfer money to places and for things the US government doesn't approve of.
They aren't fundamentals, e.g.:
https://en.wikipedia.org/wiki/Fundamental_analysis
Money transfers aren't setting the value of crypto. They don't meaningfully affect the supply and demand, since the goal of a transfer is generally to hold the crypto for as short of a period as possible, to minimize price fluctuation risk -- so supply and demand are balanced without changing the price.
You can just say “facilitates crime”, it’s easier and isn’t doublespeak