I don't even think cryptocurrency can solve this. It's easier to store a key than a ton of gold, but without the dispute resolution and policing functions of go

I don't even think cryptocurrency can solve this. It's easier to store a key than a ton of gold, but without the dispute resolution and policing functions of government you are still utterly screwed if your coin is stolen or if you fall for a scam. People also still tend to use banks (e.g. coinbase) due to the convenience, security, and value adds they provide.