It's been more than 10 years now. Crypto isn't going to replace financial institutions. It's naive to think that a New World Order will come where banks don't exist and we're all happy trading in bitcoin

Over 10 years and NO real life use yet. None.

Well that's not true. It's great for crime such as ransomware.

DeFi, almost exclusively on Ethereum, grew from $1 billion to $60 billion in the total value of assets locked, in one year:

https://defipulse.com/

I have heard of unbanked refugees fleeing with crypto and using it to make a new life.