What I think is sort of funny is that you've just described two poles, but seemingly can't grasp the infinite gradient in between those poles where people with different risk tolerances and security requirements can exist.
Who knows what will wind up being the dominant use case in the future, or who will be the dominant user population. Maybe the ones who drive early adoption, and who govern the philosophical and technical direction, will turn into a tiny faction of stakeholders in the end, but maybe they continue to dominate technical development because they are the best stewards of the idea. Or maybe they're overthrown and it turns into something else, run by small business owners. Or the governments of third world countries.
The point is that nobody knows how it will shake out. Acting like the current state of things is somehow 'wrong' is arrogant and historically uninformed.