Like the lemmyverse here, no currency is powerful until many people use it, so instead of resisting, which simply reinforces the status quo and keeps the companies in control, dive in and help grow the ecosystem, like you’re doing here!

I would hesitate to draw too many parallels between lemmy and crypto. Speech, ideas and social media is one thing, currency and transactions another, and I'm not sure applying the same philosophy to both is necessarily wise. Traditional currencies and banking have had centuries to work out problems; they may not be perfect but I don't see a fundamental need to throw them away and shift massively to crypto. Of course I could be wrong, so I'm not against experimentation, but we do need to experiment prudently and be open to critique :)

Regarding your last question, I could ask those about cash. Crypto is a lot like cash, and if you lose it you’re kinda screwed. You just need to learn how to keep a hardware wallet safe.

True, which is why most people keep their most of their cash in banks: it's more secure there and if anything happens you can always sue the bank if it comes to that. With a hardware wallet, what recourse do you have? Even if you take all the precautions you can, no system is completely foolproof, and as an individual it takes a lot of time and effort to do that yourself.