Not crypto. At least not specifically. I'd be happy with a whole lot of regional banks that aren't going to just get acquired in a year. Consolidation isn't a friend.

It has done precisely that. You can now have near unlimited exclusive control over money that can be beamed to anyone on the internet cheaply in a very short period of time. Practically speaking, with some basic precautions, it is totally uncensorable and nobody can stop you.

That was not possible before.

Those are facts, regardless of anyone's personal emotions about whether or not cryptocurrencies are good or bad.

It has so much crime associated with it specifically because it is functional and decentralized. You can't receive ransomware payments at a retail bank.