For me, it depends on the state where you are living at; some countries cant or not ready to the cryptocurrency world Im telling the 3rd world country.
majority of the 3rd world countries are verry open to cryptocurrencies and they dont have strict regulations or rules with it although the only problem is the adoption because there are still people that are not yet aware of the existence of cryptos and there are some that already knew crypto but they do still have doubts from using it . But if you are living at the technological nation and the physical cash is like cryptos or theirs much merchandises that accept cryptocurrency as a payment its good instead of banks right. There is some state having their own cryptos. 
most of these countries are not from the 3rd world. some may dissallow the use of cryptos but they still have other alternatives and they dont usually depend on the banks or banking system .