In many cases you wouldn't bother with the overhead, you're right. I imagine there will be situations where having some elements of the business on the blockcha

In many cases you wouldn't bother with the overhead, you're right. I imagine there will be situations where having some elements of the business on the blockchain, and having some off-chain and centralized would be optimal. Regarding Venezuela, there may be situations where the government is willing to shut down your bank account or prohibit meatspace financial institutions from letting you as the client use other currencies, but isn't willing to go as far as shutting down the internet. So in that scenario, an immutable ledger would have value. Also while the Venezuelan government may be able to prevent you from accessing the rest of the global internet, it can't shut the global internet down. So as soon as you leave Venezuela, you can regain access to your savings.