I agree that some cryptos are great for sending/receiving, but bitcoin is a horrible example. If everyone over 14 years old in the US (~244,200,000) owned BTC, each person could make one transaction every 1.1 years. If everyone over 14 years old in the world (~5,846,000,000) owned bitcoin, each person could make one transaction every 24.68 years... or only around 3 times in their life!

Lightning is very slowly starting to come into play, but it's complicated and messy so adoption is happening at a snail's pace. Ethereum is also currently very slow and Eth2.0 is > 1 year away.

Other chains however, are currently much better positioned for decentralized transfers that rival banks. Stellar, Cardano, Solar, Hashgraph, XRP, EOS, IOTA, even BEP20 or BEP2, and I'm sure I missed a bunch.