Very much agree, the post by Scott Alexander is nuanced and well worth the read
The personal example Scott gives of sending money to Russians is probably illegal and circumvents currency controls that the Russian government has deliberately put in place, so not really a demonstration for crypto as much as it is an example that people find these types of transactions useful for various reasons.
[Insert conspiracy theory here about Tether being a CIA op to dollarize the developing world.]
We know banks work in the dark ages. Even after a nuclear war within years someone will found a bank.