I think its unfair to dismiss the currency aspect of bitcoin. The use case for the developed world is 95% speculation 5% buying contraband online however, for people in Venezuela[1], girls learning to code in Afghanistan[2], or women in Saudi Arabi who can't legally open a bank account, Bitcoin is solving problems that under banked people have now. Of course the ecosystem needs to mature so grandma can use it safely, but that will come with time.
I think it has high utility anywhere outside of the US and EU. There are billions of people that don't have access to stable currencies or reasonable banking.
Sure, but access to reasonable banking is also highly correlated to access to ability to actually buy things with BTC or convert BTC to spendable money.