There is always an on/off-ramp from/to a local currency, that wants to be paid so zero fees is not realistic. And for most people sending money overseas isn’t

There is always an on/off-ramp from/to a local currency, that wants to be paid so zero fees is not realistic. And for most people sending money overseas isn’t a use case at all. Crypto is a solution in search of a real problem to solve. A Rube Goldberg machine to do elaborate things with no (legal) point.