Yes BNB is "only" a utility token and does not give any other benefits over the ones that you already mentioned.
KuCoin for example pays you a small part of their fees every day depending on how many KuCoin Token you own as a bonus passive income.
BNB still represents the biggest exchange in the crypto space though and with the burn that occurs every quarter BNB coins also become more and more rare.
You may be right, but this is a blockchain like Ethereum, where the same tokens exist and the commission is small. This is a good alternative to Ethereum, which is why it grows.
As soon as Ethereum reduces the prices for commissions, the hype will subside a little. But CZ is very clever with money. I am sure that now is the right time to attract the community to your network. And given the small commissions of people using their network every day is becoming more and more, respectively, and the rate of BNB is growing.