hmm these seem to be usecases that are almost impossible for bitcoin/blockchains that say "cheap transaction fees / trust in the system" due to no-person-in-the-loop...
Yes, it's "not a problem" because all transactions are final and if you lose the key to your virtual wallet with all your savings, then you're fucked, but that's part of the point?
Banks provide these essential services that people need. Bitcoin doesn't, and it still consumes massively more energy.
I just noticed you were listing vital features of a financial system, and yet wasn't using them as your foremost argument.