You can't have the good parts without the bad. Most people hate banks. Russians dont like not being allowed to withdraw their money from ATMs and being restricted from foreign exchange. Merchants don't like being scammed by fraudulent chargebacks. People don't want the risk that their funds are stolen by the custodian.

Your comment is disingenuous and seems to be willfully misrepresenting the situation by ignoring that there are two sides

These forms of decentralised digital money are very new; nobody understands the potential for it if it were supported by social structures and education. Currently it exists in an incredibly hostile social environment where institutions are actively harming the user experience.