This is the falling for the same all-or-nothing trap that I pointed out in the very first comment. We are never going to go from "unbanked" to "banked exclusively thanks to the blockchain". What is going to happen (and is happening) is that these projects will bring "people who don't have access to service X" to "blockchain project that creates an alternative to service X".
Examples:
- People in countries with strong capital controls can now participate in a global economy through blockchain transactions.
- People living in countries with poor monetary policies and weak currencies can protect some of their wealth by buying stabletokens backed by stronger currency.
- Communities without access to money markets can now issue their own local currencies and create their own credit cooperatives.
- Sex workers and "sin businesses" who are denied access to payment processors (no matter if political or economic reasons) can use web3 to not only accept payments, but also as a way to distribute their content without intermediaries.
In all of the examples above, it might happen that the situation in the "traditional" system changes and the groups start getting access. But until they don't have it, it's nice to know that they have an alternative.
