But sure, let's defend a system that is "worse than traditional finance", because it's "sort of decentralised" (traditional banks are sort of decentralised too, to be honest), even though that creates big problems like ransomware.
No, but you could legitimately wonder what 15 years and the money that was invested in cryptocurrencies could have done to help solve the root problems, instead of marginally helping a few people while enabling scam and ransomware.
Do you have an idea how much money could be stolen from governments thanks to cryptocurrencies? North Korea is pretty good at this. Counter-productive solution now < perfect solution in the infinitely far future, IMO.