People just use banks and credit cards (and Paypal, Google Wallet, Apple Pay, whatever). I agree with you that people who don't have access to banks can benefit, but these are usually non tech savvy people who won't figure out how to work even the simplest wallets. Plus, how they buy Bitcoin with in the first place? Cash? nope...credit cards, banks, etc. I know because it happened to me, getting Bitcoin is a pain in the ass in third world countries, there's no simple and safe solution like Coinbase or whatever.

I understand what you are saying though, Bitcoin proposes a solution but the problem is not there yet, in terms of market at least. I  was comparing cryptocurrencies and blockchains, some have a company behind (like Factom and Ripple) so it's not clear where's the value at, if in the company or the token/currency (I think on both).