What problem does crypto solve apart from being a digital alternative to gold? It's not anonymous (except Monero which is centralized), transaction fees and ti

What problem does crypto solve apart from being a digital alternative to gold? It's not anonymous (except Monero which is centralized), transaction fees and times tend to be high (depends on which currency and exchange you're using), there's zero recourse for stolen funds currently (which makes it ripe for fraud). And in addition to that, at least for Bitcoin, it's an environmental disaster. What do you think makes crypto useful?