I work on contract in some third world countries and I can tell you from first hand experience that these remittance companies in some of these countries are definitely a lot more expensive than Bitcoin. I introduced Bitcoin to some people in these countries and subsequently put between 10% to 30% money back into their pockets by doing this. 
When last have you done any global transfers of money? Some of these transfers takes up to 3 days to be processed. Bitcoin might not be instantaneous like Credit card payments, but the affect on your balance is evident within a couple of minutes. I have done credit card payments at some retailers and the transaction only shown after 1 or 2 days in my account.
Also, have you heard of the Lightning Network? You might be surprised to see almost instantaneous transactions on the Lightning Network being done at a fraction of the fees being charged for on-chain transactions.
When last have you done any global transfers of money? Some of these transfers takes up to 3 days to be processed. Bitcoin might not be instantaneous like Credit card payments, but the affect on your balance is evident within a couple of minutes. I have done credit card payments at some retailers and the transaction only shown after 1 or 2 days in my account.
Also, have you heard of the Lightning Network? You might be surprised to see almost instantaneous transactions on the Lightning Network being done at a fraction of the fees being charged for on-chain transactions.