Weren't Ethereum and Cardano supposed to solve some of those problems?
Cryptos have basically burned the idea and the general public will probably not care of any future solution since all of the previous ones were scams or not very useful.
These cryptos all promise the world and deliver nothing.
For example, Uniswap is a decentralized exchange living on top of Ethereum that frequently has volume higher than Coinbase. A couple years ago that was the "end vision". Now it's an everyday reality.
Loans, mutual fund like assets, lending etc. The ecosystem is booming.
Ethereum is absolutely fulfilling it's mission.