No, please stop with this fallacy. I don't know where people get this idea besides from marketing hype. There is no innovation in cryptocurrency. It's perfectly fair to also disregard any claims of innovation, because they're not true. I'll go into the specifics here.
>1) programmatic public chains that are inexpensive to run
The innovation you're taking about here is a database server, blockchains not necessary. AWS and Azure are also an "inexpensive programmable and public" server except you can put anything you want on it, it doesn't have to take the form of an immutable ledger. Blockchains are just strictly worse than everything else.
>2) zero-knowledge proofs.
Also has nothing to do with blockchains, zero knowledge proofs are useful for other purposes besides cryptocurrency, and were invented long before it.
>By combining public chains and zero-knowledge proofs, we get an inherently global market, with p2p transactions that scale to all of humanity, where you can send money digitally, similar to handing a $20 bill to a friend.
No, you don't. By combining those things you might get some structure that would theoretically allow you to do that, but that's only a small portion of building a scalable financial platform. There are still a ton of other services you have to build, which have to exist anyway for any form of online finance regardless of whether you use a blockchain or not. Blockchains are also not "p2p" in any way, by definition they require middlemen to run the chain.
I'm growing tired of reading these comments about cryptocurrency where basically everything is wrong, it's exhausting to deal with the torrent of misleading statements. That should tip any technologist off that something is seriously wrong there. I can't even blame you for making them, the marketing hype is just out of control and is confusing everybody.