Crypto projects are often created by geeks who may be good at code, but not understand what people out there actually need.
Hive/HBD at least has free transactions that are confirmed in seconds, so it is viable to spend it. This is happening in places like Venezuela where local currency inflation is crazy.
I am not the greatest at explaining this stuff and I'm not really a finance person. It would be cool to get you together with someone like for a chat as he is deeply into it all.
Have some !BEER
RE: What is the user need for cryptocurrency?