I only refer to bitcoin (and lightning as Layer2), not crypto. Real-world problems will become more relevant if you live in a 2nd or 3rd world country:

- private (as in privacy) store of value without necesity to build a vault (or trust a 3rd party for storing)

- Transfer of money by immigrants "back home". Good luck sending money to Cuba or Venezuela right now

- Micropayments / Webpayments via Lightning (TradFi failed on this) - you can literally send 10cent right now to someone at the other end of the world - or pay for a news article.

- Decentralized / Ad-free social media like Nostr. Pay with micropayments for everything (hosting, forwarding, micro-donation for content). If you look at how damaging the ad-based social media economy is fighting for engagement and attention, it is obvious society is better of without Instagram/Facebook/Youtube/Tiktok trying to get you to watch more, to get more ad revenue

- Insurance against dictatorships taking over free democracies. If monetary policy is not done my the government, they can't use it to control the people. In Bitcoin, the people are deciding and voting on monetary policy independent of the government (miners, node runners/validators, acceptance of transfers etc.)

- Insurance about fiat devaluation (governments printing money)