There are plenty of alternatives in developing countries. (I live in one such country and no one here uses any of the things you listed.) None of them are based

There are plenty of alternatives in developing countries. (I live in one such country and no one here uses any of the things you listed.) None of them are based on the block chain. They don't require bank accounts or credit cards. They don't work just for "certain amounts". If those things don't exist in America it is because the market for them in America doesn't exist.