Presently, there is a high risk of loss of income (see: every small individual Russian or Iranian software developer. Their families are now suffering because their income has been shut off, even though this is a textbook example of "Group Punishment" under the Geneva Convention. If I had decided to send some of my company's income to the Canadian "Freedom Convoy", my family's income would also have also been summarily cut off, without trial or conviction in a court of law).
So, like it or not: there are innocent individual who, due to no fault of their own, cannot use "TradFi" -- "DeFi" is their only alternative to achieve an income to care for their families.
Using a trivial Ethereum Smart Contract, a single-use Ethereum wallet address is generated for a set of payees (eg. the software author(s) and any number of other license fee recipients) designated to receive a proportion of an Ethereum fee payment. When the payment is received at the designated address -- the software License is generated, and any one of the payees can trigger the "smart contract" executing distribution of the fees to each of the payees' accounts, without being able to change the proportional distribution.
None of this is possible under "TradFi". All of it (except for the automatic generation of the License) is possible under Ethereum "DeFi". The entire application (including automatic, atomic generation of the License and distribution of fees) is possible under Holochain.
In all honesty -- whenever I hear "Crypto is a solution in search of a problem", I really have trouble not rolling my eyes. Perhaps that's not nice. But seriously; if you're here on HN, I have higher expectations of you. If you're enraged by this; perhaps there may be other forums more appropriate for you?
:)