Perhaps you should think along the lines of fee-less micro-transactions.

Fiat systems are expensive to operate and slow. That gives fiat systems the excuse to charge fees and that burden usually falls heaviest on the ones that can least afford it.

The token economy is peer to peer... no third party required and hence no exorbitant parasitic fees.

Token systems also give identity and reputation to sectors of the population that are informal and identity-less.

The current unidentified and unbanked.

Those that, under current systems, are totally ignored... perhaps not much of a problem in the US but maybe you should come for a visit to Africa or the rest of the third world.