In our country we have our local wallet where users can directly trade fiat-bitcoin/eth/xrp/bch or vice versa. We can use it to pay bills, services, purchase goods since other merchants accept online payment, and it even use it to directly make a deposit to a bank.
I hope as time goes by, the usage of crypto will not be limited as in we can use it to buy anything.
That's what I experienced too, I live in a country that has services that can pay various bills. I feel happy because now I have the ease and speed in every financial transaction that I do. Bitcoin and digital currencies have changed my life, I now have income from investments that I have and I also get the opportunity to be able to do various financial transactions so safely and comfortably.