It depends on what you consider "useful". I live in the west and I don't take our financial freedom as granted. There are many places in the world where decentralized consensus for financial transactions is valued.

I'm grateful to live in a society where this is not a "problem", but I don't take it for granted

How often do angry articles hit HN ranting about Visa/MC cutting of spending to XYZ source based on moral judgments or investor pressure. Yes, free access to digital payments as an anchor of civil society beats clean dishes I don’t have to do by hand.