In countries like africa we often see bitcoin trading substantially higher than other countries. The reason for this is due to bitcoin offering substantially lowering taxes and fees on things like wire transfers and electronic banking services. Bitcoin is much cheaper than its alternatives which is why africans are willing to pay more for bitcoins.
While I do believe that it definitely does contribute what you stated, the premiums are more related to the lack of actual supply, and to a lower extent the monopoly position of market makers exploiting the arbitrage opportunity at cost of poor people. These people don't have much choice other than to buy every available satoshi at any price.
Bitcoin in South Korea last year has been trading $6000 above the USD rates of exchanges as Bitfinex, GDAX, Bitstamp, etc. They have the best possible and cheapest overall infrastructure, which points out that it was purely the lack of supply that drove Bitcoin to these record highs. As quickly as that premium popped up, that quickly did it vanish. Most premiums right now are well under 5% which is pretty normal I guess.