Yes, significant hype around digital money is about providing services to the underbanked/unbanked that people with the privilege of a bank account and debit card take for granted.

That's an important and needed service.

It is! And things like M-Pesa show it it can be done effectively and in short order when designed right. Which is part of why I find Bitcoin hype frustrating; it has clearly been way less effective.

Bitcoin maximalism is a distracting and inept attempt at making something, that is no more than a conspiracy theory, the fundamental basis of a "next-gen" financial system.