"prevents hostile monetary policy" -- except this isn't true. Crypto has just taken monetary policy decisions out of the hands of the electorate, however tenuous a chain of authority that is (voters -> president -> Fed chair), and placed it in the hands of either "the original developers" or "whoever has 51% of network computation".
That is an absolutely horrible trade-off for anyone who wants a democratically run currency.
That and the irreversibility in cases of fraud make crypto a complete non-starter for me. I want to be able to reverse transactions if someone starts siphoning off my coin; and I want to be able to use the force of law to do so, if I win a lawsuit or even just don't want thieves to steal my money.
What is the crypto answer to "someone stole your private key and is stealing your money"?