Unless a cryptocurrency can be spent directly, it needs to go through an exchange and then a bank to be spendable - therefore, a cryptocurrency that cannot be spent directly to buy even a coffee not only excludes the unbanked, but also adds the burden of

Bitcoin was supposed to help the unbanked, but now BTC is also adding the requirement of signing up for an exchange to use BTC for everyday things.

I am now convinced that for a cryptocurrency to be worthwhile, it has to be spendable without the need to go through an exchange and then a bank and then a withdraw.

This is not to say the early adopters of BTC will not make tons of profit - but BTC will be shown in the long-term to be useless for the usecase it was meant for.

Yes there are services that let you use crypto as credit card - which also includes their cut of fees and proper KYC.