This has always struck me as…I don't think a "weak" use-case is the terminology I'm looking for, but maybe "fragile"? What I'm trying to get at is that I'm not sure that the existing non-crypto money transfer services have to charge as much as they do to be profitable. If cryptocurrency-based transfers get popular enough that they're perceived as a threat, then I suspect Western Union and friends -- or perhaps new entrants to the market -- will introduce "new products" that are more competitively priced.