Suddenly everybody wants crypto but with protections. Fools.
There is a reason why money and banking is regulated -- to protect little guys from getting scammed right and left.
Those protections are not perfect, true, but still orders of magnitude better than crypto free for all.
And as to monopoly on physical force, there is a reason for it, too. Take a look at African countries for what happens when people are allowed to take things into their own hands. Take a look at The Last of Us if you want to know what happens when there is no government that can project physical force.
Our civilisation is far from perfect but it is a civilisation. It lets you live, travel and do business in relative safety. So think about it the next time you start imagining how good it would be without all this pesky civilisation around you. Because it is much better and productive to try to iteratively fix what we already have than decide to erase everything and start a complete rewrite.