I don't know if you've realized this, but HN is religiously against crypto and anything that rhymes with it. Like, irrationally mad.
If you want to explore the utility of crypto go check out different online communities that focus on that, some decent ones on reddit. The level of discussion on HN is usually "crypto baaad, centralized goood". As an economist I'm sure you expect more. Unless you want those ideas reinforced, keep the discussion here!