If you say, "Selling cryptocoins to others", that isn't actually a product or service.
Oracle (READ: aggregated/decentralized APIs feed) services and other infrastructure that supports decentralized protocols (network graph, etc.)
Decentralized lending, borrowing, trading.
SaaS products in on-chain analytics, portfolio management, commerce aggreggation.
Gaming
Fine Art (a tiny minority of the art scene in crypto is pretty interesting, ex. distributed multiplayer run-time art, something that can't really exist outside of the medium)
Digital Collectibles as an end consumer product or in service of the construction of lifestyle brand / gaming / etc startups. (A lot of the most boring use cases land here, imo)
Advertising
Content creation/consumption
When I take a loan from a bank, I may use it for education, a vacation, medical emergency, a car or invest in a business which will generate revenue and employment.
What do people do with tokens they borrow in "DeFi"? Given that the tokens can't be used for paying college tuition or a hospital bills or rent or buying a machine?
There's a tiny sliver of cases where crypto brings real value by enabling something that you couldn't do without it (e.g. cryptokitties was genuinely novel and interesting). But it's just such a vanishingly small proportion of the ecosystem.
Ownership of bitcoins doesn’t give you ownership over these entities the same as ownership over some shares of Apple.
It’s like saying that you having dollars in your pocket gives you ownership over the White House.
Regarding ownership, however, you can explicitly own things- or parts of things- on the basis of token ownership, but you’re right that this isn’t the way that bitcoin and many other technologies are structured.
And only bad ones from crypto.