Those are very good questions, but nobody wants to touch them because they are inherently political and somewhat destabilising.
Personally, I don’t think the absence of well-regulated banks and central banks under a degree of democratic oversight would be progress; but there is some value in making the underground economy somewhat structured and relatively transparent.
It’s a bit like the Japanese yakuza: everyone knows it exists, members are very visible, the state tolerates it as long as it stays under certain limits, and so on. This is not perfect but it’s a better and more desirable situation than full-out war like in Mexico, for example. Similarly, we currently have little or no visibility of dirty money; we know it’s pumped in our “clean” banking systems but we don’t really know where, we’re in a constant struggle to uproot it before it taints the rest. Wouldn’t it be better to keep all that in its own dedicated system? Btc can be that.