> I would disagree with all the reasons. I understand that it's some real problems the mentioned services solve for you, but I can easily point to a person who has none of those problems. Like my grandma. She doesn't see any point in any of the mentioned products.

This doesn't make any sense, there's nothing in the world except food, water and shelter that's actually needed for every living human being.

You're grossly mischaracterising or misinterpreting the meaning of "solving a real problem".

What exactly is all this crypto-technobabble solving that isn't just feeding the system to make it work? Where is the end where a person is going to use all this bumbling infrastructure of finance primitives to actually solve a problem they face? Again, not a problem created or caused by the other mumbo-jumbo lying around, piling solutions on top of solutions still looking for a problem is ultimately not solving any problem. If the fundamental piece of technology you are working on doesn't have any applicable uses in the end, all the other pieces supporting this fundamental are not solving anything of value.

I really, really don't follow your line of argumentation, I keep looking for the base argument and there's none except for "if some people believe this has value, then it has value". No, like Matt Levine said to SBF, the fundamental economical value of this thing is zero.