For most goods and services there are desirable properties to intermediaries in terms of fraud detection, refunds, etc. But it is ultimately reliant on the ulti

For most goods and services there are desirable properties to intermediaries in terms of fraud detection, refunds, etc. But it is ultimately reliant on the ultimate source of trust deriving from governments and banks. If you are a bank or government you have to look out for yourself, and so a fair amount of blockchain hype specifically addresses the low-trust transactions they encounter. There is some quiet adoption happening globally, and mostly invisibly to consumers. The side effect, of course, is that it's easy for anyone to do bank-like things with the tech, including ransomware.