Every time I hear "democratize" financial system from a FinTech or blockchain "company" it immediately raises alarm bells. Usually it's a euphemism for democratizing investor exploitation.
Bitcoin certainly is more speculative than GE stock, but look at GE's stock performance and dividend performance. Anyone who thought they were investing into the long term value of a major American company was actually speculating as to whether or not a blue chip stock could produce cash flow and maintain the value of real assets, which, they couldn't do so as well as they did 20 years ago.