Go from actual money from the sender, to actual money for the receiver. Sum up the fees.
The situation for current L1 users is obviously different, but those people probably aren't the most fee-sensitive users anyway, since sending money with $5+ fees is hardly viable for so-called everyday use.
Remittances are when a person in one country sends money to another person in a different country. Usually, the first person works to earn wages, and sends them back home to their family, who use them to pay for living expenses.
To do this, you need to go from money in hand to money in hand. Anything else is useless. Again, the claim is that cryptocurrency is good at this. If you want to claim that it is, you have to actually show how to do that exact thing.
That, in any reasonable reading, would mean that the sum of all feels required to do "international remittance" would be less than a penny. This is clearly not true.
The claim that one small part of the fees is actually less than a penny is not really relevant to this.
Long-term, it should drop to fractions of a cent once sharding is implemented. But, that's years away and hardly relevant.
[1] https://l2fees.info/