Those benefiting from traditional banking, ie the 1% of the world in the US and EU, are largely completely naive to the tragic despair of the other 99%, either completely unbanked, oppressed via predatory inflation policy and capital controls or just simply rigged against them.

Crypto was created from the ruins of bailouts where the poor masses where put on the hook for the crisis created by central banks ad wall st. That hasnt changed. Innovation and critical mass usage will arise from the bottom up, Nigeria, Venezuela, Argentina, El Salvador. Nations like the US and EU will be the last to embrace it, at their peril, when they have no real other choice to not be left behind.