Bitcoin helped me with servicing my loan in my home country when I was earning in another currency. I escaped foreign exchange fees. Its a use case that a lot of people have but it's unfortunate that the most vocal people telling us bitcoin can't do something are those who don't seem to have that need for its use.

There is no truth to that and I'll tell you why - a bitcoin ATM in one country and a bitcoin ATM in another country are all you need.

If the combined spread is less than a money transmitter, then you save money. It is very simple. Many exchanges have around a %1 spread. Many remittance services are 10% or more. This is not rocket science and the article you linked to is from a service threatened by cypto-currencies.