Your arguments are mostly usability. However, there are already many services that gives you additional utility such as insurance, backups etc. Crypto already

Your arguments are mostly usability. However, there are already many services that gives you additional utility such as insurance, backups etc. Crypto already has replaced money in several countries, especially third world countries where it has replaced money for 30% of the population that have protected their funds against inflation thanks to the inherent scarcity of respective cryptos.