Here in the Philippines we could use our local wallet called coins.ph to buy load pay for our electric,water and credit card bills and even book for travel.
It does cost that much because the system will automatically convert your bitcoin to your php wallet and that will make a transaction fee. The problem with is that the higher money will be transacted the higher also the transaction fee will be deducted to your wallet. So, it is not ideal to use bitcoin in paying bills and other ways that one could pay online. I prefer G cash wallet than coins.ph in paying online like load but G cash wallet has no available crypto in it.