There are many avenues to transact moneys. Crypto is one of them. It has a handful of really good use cases. I agree that there are often (usually?) better ways, but cryptographic blockchains that house value to the tune of billions of USD and never goes down or breaks is quite powerful and should be respected as such rather than being seen as purely inferior.
There isn't any point in the lightning network when the current financial system works better without people losing their life savings.
Mpesa, UPI and Pix work way better than whatever broken system the bitcoin / lightning network has.