If the benefit alleviates more pain than what's being caused by the technology, why not? I don't know if you know this, but the internet also created many classes of problems that had never existed. You can't simply shut down any new technology or way of living because it's associated with problems. It's not utopianism to make an objective comparison of pros and cons. What's utopianism is to assume that it's possible for a new technology to not introduce new problems.

Also, my main point was about how you're assessing the net effect of cryptocurrency. Benefits and drawbacks aren't uniform units that can be weighed by their count. The individual benefits/drawbacks need to be measured in terms of their impact. One giant benefit/drawback can far outweigh numerous small drawbacks/benefits.

Also, no one is forcing anyone to use cryptocurrency, and unless someone is a ward of the state, there is no justification for removing market options from them, let alone through the drastic measure of prosecuting anyone who offers that option to the public at large on the market, in the name of protecting them from their own bad judgment.