Software engineers have been re-inventing concepts again and again since the 1970's. It isn't that much of a stretch to believe that they would do the same thing to finance.
Software also kind of has reinvented finance. The crypto thrust specifically not so much, but the modern financial system does not look the way it does without software.
Too bad most of them don't bother to learn anything about finance before trying to disrupt it and instead fall back on libertarian wet dreams of feeling the ghastly embrace of the ghost of Ayn Rand.