Again, I think you are missing the point. You are judging crypto as it stands right now, assuming that nothing significant will change about the UX. However, the UX is easily improved. This is where the internet analogy comes in (an analogy made by Andreas Antonopoulos, who himself was involved in the beginning of the internet as well).

In the beginning, internet had a TERRIBLE user experience. You had to be a scientist to even connect to it. But what was important, was the core technology, the innovation powering it. This spurred on many more innovations, like first HTML, graphic browsers, and later on stuff like AJAX, HTML5, React, etc that allowed us to build the incredibly advanced web applications we all use and take for granted today.

In my opinion, the key thing about crypto, is that in its core it is decentralised and (at least in the case of Bitcoin) no central bank controls it or can print more as they please. Yes, this comes with downsides for UX, but these can be 'patched' (e.g. some kind of crypto banking app that handles transactions for you, protects you against account typos, has some kind of insurance against thievery etc) — problems in the core architecture underneath it can not.