What remittance service costs $6 and between which countries? I don’t even know what that sentence is supposed to mean.

It costs 6 dollars to transfer money using a remittance service. And that comes with no risk to the user.

Your claim is that Bitcoin round trip is already at 5 dollars. You don't need to lose a third in 20 minutes.

If I'm an immigrant workers sending all of my discretionary income back to my family abroad so they can feed themselves and go to school, I'm not trusting crypto at this point in time.

The best way to guess what you’d do if you’re an immigrant worker is to look at what immigrant workers are doing. They’re using crypto for remittances to the tune of hundreds of billions of dollars a year.