PumaPay's goal is to eventually move on to its own 3rd gen. blockchain to sustain lots transactions at a low cost. The future you speak of where crypto can transact at low cost might not be too far away.

But you are right on the peg problem. I feel your pain with the btc/eth pegs; it has a negative effect on the entire market. Even if projects like PumaPay do good, they end up losing market cap if btc goes down. This is why I am desperately waiting for Binance to launch fiat pairs with every token. The move to Malta is soon and hopefully the fiat pairs roll in asap.