Yes Binance.us has better fees, but CB has the benefit of scale $1.3B in BTC/USD vs just $55M on Binance.us. And I think CB is riding on that a lot. There is still tons of room for disruption there, just think a large number of folks trust CB for now. More so than any other exchange available in the US. And its way simpler to use it then going a lot deeper, so at least its a gateway for people to get started.
The main ones they are missing right now, to my observation, are Cardano and Polkadot, which they seem to be very slow on the uptake of. I guess you could say Tether, but understand why they don't have it. And same with Ripple. But I don't think those are a "slow" thing, that's a conscious decision with reasoning behind it.
I think it will take quite some time to do any significant disruption though. At least until there is a good easy place to be. BSC is hard to get in to from the US, at least from what research I have done, and I am willing to put far mor research into it than a 'normal' person would be.