Bitcoin and similar cryptocurrencies solve some real problems that most people don't actually have - they allow for verifiable electronic transactions without having to trust any single entity in the chain.

The problem Bitcoin and other cryptos actually solves for most people is different. That problem is summarized as "I have (or can borrow, at a low rate) fiat currency, and want to get a much higher return on my investment than the low rates traditional savings provide."

Money is cheap right now, and essentially, the returns on these things beat inflation and stock markets. For now. But one of these days the market will collapse - you just have to make sure you get out before that happens.