The gist is really just that blockchains are a ton of computers everywhere recording the same list of transactions permanently, under a certain set of rules, and a normal database is just that, but under one person/company’s control

So do all Bitcoin or Ethereum holders have some kind of general assembly or online vote to decide under what rules their currency is run? Does one bitcoin equal one vote? Which blockchains are private, which are not?

Also, banking (including their computing systems) already adheres to a set of rules, luckily. Unfortunately heavily eroded by powerful global players, but very functional, at least in Europe. Hey there's even cooperative banks and credit unions here if you look carefully! In my opinion we should seek to build common sense and evolve to an economy based on mutual trust, not build technology based on general mistrust.