I'm not anti crypto, I simply argue that the problems alleged by OP don't really exist except in the mind of people who once had a bank twenty years ago. By and large, if I want something that holds its value pegged to the US dollar, I hold a US dollar. Moving a US dollar costs me nothing anywhere in the world. Moving a USDT or whatever means I now have to set up an exclusive banking relationship with someone I trust even _less_ than my bank. Maybe it solves a problem for some subset of the globe, but I'm not convinced their problems are the noble ones stated above.