1. If you study the history of technology, it becomes pretty clear that it often take decades or even centuries to see the full impact of an invention. Declaring the ultimate value of a technology barely a decade after it was invented is just ignorant. It's only been about 30 years since society became "networked" and it seems clear that some form of "Internet currency" is inevitable. If you had judged the impact of gunpowder, the printing press, or photography 10 years after their invention, you'd obviously be quite mistaken. We might not see the "killer app" (whew that's an old expression) for blockchain for years.
2. A lot of crypto-critics seem to focus on the people in the crypto world (scammers, NFT sellers, etc.) and the things that they supposedly do wrong, but then apply these criticisms to the technology itself. This is a flawed approach for obvious reasons, but I also understand it, as the crypto world is full of hero worship and hype machines. If you're interested in this tech, you have to learn how to ignore these things.
3. It's somewhat unfortunate that blockchain and crypto have become dominated by finance, as it drowns out discussion of other use cases. Hopefully, this will fade into the background more as the technology matures and is adopted by a larger percentage of the population.