> And crypto requires no party have too much control over the hash rate or else the advantage over traditional finance is lost.

what is your threat model here? what practical attack do you think is going to happen?

>Not technically. Even crypto-to-crypto trades still involve miners at least.

miners are not middlemen, they have zero control or ability to interfere with the transfer of funds. wiring money involves handing control of the funds to a middleman like a bank, who you have to trust to do what you ask. there are incentive structures but it is ultimately a human system. this is not the case with eg bitcoin -- any individual miner or validator who didn't want to process your transaction would simply be replaced by one of the thousands of others. if you're savvy you can simply run your own node.