This is for cross border payments, and payments that are opposed by the banks. We have some places that are excluded from the bank payment network, for example Iran and Venezuela. Other places have restrictions, like Argentina and Lebanon. Sometimes there are alternatives, like payment processors. They will also have some restrictions. The hawala system can sometimes save you, if you have the right contacts. Then there are some perfectly legal enterprises who have difficulties with their banking, for instance weed dispensories in the places where it is legal, but the banks regard it as a reputation risk. The same with weapons dealers. Even if the banks function good enough for the purpose, it is good to try the Bitcoin Cash payment methods, because banks can come into problems in the future. That would be places with already relatively high inflation, and where the government have loans up to their ears. Banking and inflation problems come as a surprise to most people, and it is good to be prepared.
The people who earn more than they consume, sometimes called the middle class, will always have a savings balance, either in their own house, equity shares, government bonds, diverse pension and life insurance schemes, bank deposit money or cash. The bonds, pensions and cash are denoted in the local currency, and therefor affected by the inflation of the local money. You don't have to have everything in sound money. If you expect a rather low inflation of 10%, you can have for instance 20% of your money in Bitcoin Cash, it could protect your buying power, and the low coin allocation makes it safer. We all know the volatility with coins. With higher expected inflation, increase the allocation to Bitcoin Cash.
Hodling has the same advantage as protection against inflation, but you go further. A hodler has understood the intrinsic scammy nature of national fiat money, and he sees the coins as an opportunity do do some speculation. Notice the word speculation has a bad repute, but with finance it means only that you know something, you reason about it and take action, positioning yourself to take advantage of a future calamity. When inflation or banking problems arise, some of the real assets will also go down the drain. Houses can be overvalued compared to its real advantage for the house owner, it can cost more than the value it has to you for a shelter. The stocks can also be overvalued, because the current system with low interest rates over years have made companies less an investment in productive capacity, and more like hedge funds. A hodler will convert most of his money to Bitcoin Cash, only having a buffer in local money. He will also convert some real assets, for example a second housing unit, originally aquired for inflation protection, but not for living in it, but to rent it out. Even the primary housing, instead renting a place. Some hodlers go total, starting to spend minimally, to aquire as many coins as possible, in a manic manner. The reason is not to be bewitched with the thought of money, but thinking that he in his young age can really come by with less, to have freedom and an easier life when he grows up.