So basically you're saying centralized, institutionally backed and controlled currencies are better, or at least you're saying that hard forks are ok. Ok great. We have the dollar for that. Why even bother with cryptos.
Network-based trust decentralization, even with limitations on its effectiveness, does provide somewhat provable insurance against state actors. Currently, state actors and state actor based monopolies are the biggest barriers to financial service innovation and essentially seek a continued global monopoly on financial systems access and financial systems derived intelligence feeds, largely self-justified with 'four horsemen of the internet apocalypse'[0] FUD[1].
[0] https://en.wikipedia.org/wiki/Four_Horsemen_of_the_Infocalyp...
[1] https://en.wikipedia.org/wiki/Fear,_uncertainty_and_doubt
The blockchain is not an effective "insurance against state actors" on the macro scale.