Ability to transfer something (money, bitcoin, text, picture or whatever) is indeed - utility. But this ability belongs to the transferring system, and not the thing that is transferred. Everything can be transferred via some transferring system but that doesn't mean everything has utility. Bitcoin is a spreadsheet entry and it has zero utility.
Bitcoin the network can not function without Bitcoin the currency. These "spreadsheet entries" are what pays the miners, similar to how other "spreadsheet entries" pay bankers, marketers, developers, etc. These "spreadsheet entries" pay the transferring system. You can't have one without the other.
Of course, but the bottom line is this. "Spreadsheet entries" in the form of Dollar or Euro are created for the borrowing of goods and services from the general population and returning them back later. On the other hand, "spreadsheet entries" in the form of Bitcoin and Crypto are created for extracting goods and services from the general population without returning them back later. And that's the difference between a legitimate business and a scam.