You complain about the lack of timeliness with wire and interbank transfers in the regular system, and talk about the 'underdeveloped' economies that don't afford people many luxuries...
... so suggest that they use crypto, which for many, comes with an onerous fee too, to be timely. Your "buy from the shop" example better not be urgent, otherwise you're paying gas for someone to verify it, or it sits in the queue.
ETH fees at time of writing are about $1-3 for a transaction finality of < 60 sec. note that is fixed, the same if you transfer 1 or 100 or 1000 tokens.
though eventually as these networks scale most users will be transacting and interacting with L2 rather than L1. fees in L2 are in cents on the dollar, transaction finality is often very quick, and security assumptions are typically good enough for most use cases.
