"a global payment system that breaks down financial barriers for billions of people."
Doesn't paypal and others already do that? Not to mention just paying online directly. Yeah, there may be some currency charges but in most cases that's rarely a financial barrier.
I've not quite figured out yet why we need *any* cryptocurrencies. Apart for most of them being get rich quick pyramid schemes for the creators/early adopters, they seem to be solutions looking for problems.