I certainly disagree with your conclusion. The main reason for the invention of bitcoin specifically was to avoid the risk of using banks and intermediaries.
I'll have to implement something like this, I guess finding that perfect time for me will be the real challenge. I'm even considering going as going on a sabbatical from all my devices for a extended period, hopefully it does not come to that.
Human civilization wont use paper money forever nor will people be satisfied with third parties like banks just updating spreadsheets on their behalf forever; there has to be a solution and cryptocurrency is appearing to fill that
Power is decentralizing rapidly with the spread of information and the units of account we use for exchange will need to reflect that
About a year ago I tried a few different web browsers (chrome, safari, firefox, and brave) to see which had the best user experience and which one I thought had the most value to add to me as a user. I settled on Brave because;
1. I don't have to install a adblocker or any third party extensions out of the gate. - Third party ones never seem to do the job on the other browsers.
2. Their form of rewarding creators is superior, in my opinion, to having creators appeal to a ad serving service for support. - I also find the rewards from viewing ads amusing and have even clicked on a few of the ads.
3. They seem to be the most engaged project with technology trends right now...
I will also mention that their bookmark system works for me. The one feature I find to be missing is having the bookmark icons stay centered in the bar as they can in safari.
It's not too hard for me to imagine that in ten years 90% of users will be using Brave and we will be here again talking about another new web browser on the scene shaking things up from the Brave status quo (instead of how we are with google).