The problem you cite doesn't seem so common, or so large, that it is worth changing literally the entire architecture of everything over.

Maybe it will be someday, but it definitely isn't today, nor does it seem to be happening particularly soon!

Until developers feel like that day is coming, this neither makes sense, nor will it go anywhere.

(as an aside, the non-payment one seems kind of silly, since the blockchain apps don't work without payment either - network fees, etc. Sometimes they are covered, sometimes not)

You can't define away comparisons with how things are done now by saying it can only be compared with things that offer the same assurances. That makes no sense - all software architectures are tradeoffs of these sorts. Privacy vs Security vs Ease of Use vs Cost vs Performance vs ...

People are quite literally going to ask themselves whether it is worth getting those features for the current cost. They aren't going to say "well, we can't compare the cost because the current system doesn't do that". They are going to say "is it worth <cost> to get these things".