I had that very same perspective. And then I started transferring money using stellar lumens. Put simply, it's what I expected Bitcoin to be. I actually said "That's cool" to an empty room after witnessing a near instant transfer and negligible fees. There is still hope.
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Stellar is great. We'll see whether it works out or not but it's so blazingly fast. If anyone believes in Ripple, Stellar is much superior: half the market cap, better team, and lower reserve amount. And this is from a guy who got 1000 XRP from the 2014 airdrop (and flipped it for a bottle of Laguvulin 16) shortly after.
Nano also does a beautiful job of it. Definitely the cleanest "blockchain for currency" implementation I've seen. Shame about the Bitgrail debacle going on :/