As a non-techie and a member of a minority class, I am going to say that the reason crypto is rising so fast is: ACCESS. We can finally gain access to banking

As a non-techie and a member of a minority class, I am going to say that the reason crypto is rising so fast is: ACCESS. We can finally gain access to banking services desperately needed <on our terms> rather than some arbitrary check box designed to keep us from making progress and improving our communities and the lives of those around us. Let's say as an example, that I need $1M to fix some buildings I own. But my personal credit is crappy, I'm BROWN and a Woman. In the regular financial markets, I would either get turned down flat or my rates would be so high that there wouldn't be any point to my borrowing the money. But in the DeFi World, I might find an investor willing to negotiate better terms with me. That back and forth and the possibility of that back and forth is important. Before, there was just a closed door. Now, there might be a window open or a huge truck bay left wide. If I decide to create a product, now I can guarantee that my audience is not filled with trolls or dangerous people who are hiding in my email list under false pretenses. I can sell them access to my way of thinking and be assured that I am delivering the value where I intended. That is VALUABLE. I could list tons of reason why CRYPTO Is valuable, but in looking at all the answers already here I can tell that none of you really seem all that interested in the 80/20 problem. Currently, 80% of financial services goes to 20% of the marketplace (in general terms). That 20% don't actually need more services. The bulk of us who might can't get reasonable help on any terms. Projects like this that make it possible only have one trajectory: UP.