I think your points prove the motivation lots of cryptocurrency authors have. They don't want politicians and bankers to set the rules. They want developers to

I think your points prove the motivation lots of cryptocurrency authors have. They don't want politicians and bankers to set the rules. They want developers to set the rules. So they build systems enabling ideas they stand behind. Just like with open source. I guess if there were no open source, all operating systems would have backdoors, strong cryptography would be banned, we would have very strict software patents, etc. Everyone would be in a cage built by politicians & closed source devs. As we're now in the financial system. Cryptocurrencies, in ideal situation, should serve as open source counterpart to closed source world.