Most major developing countries in Asia have p2p instant payments and bank accounts for free or with minimum balance requirement.
UPI (Indian market) launched cross border support with a couple countries starting this year. 118 billion transactions happen via UPI annually.
I do think there is some niche market where ethereum payments will shine but hard to beat free and instant systems already in place at far bigger scale.
Which is great when sending to someone in the same country, but we live in a globalized world. Sending between countries (except within EU) is best done using crypto.