To the extent that you are saying that specialized services can be built upon a generalized infrastructure and that people can benefit from that, I agree! But,

To the extent that you are saying that specialized services can be built upon a generalized infrastructure and that people can benefit from that, I agree! But, the commenter I take issue with said that it's good actually that we are just re-inventing banks on top of the blockchains, and the evidence that they offered is that it was good actually that we invented Facebook on top of the decentralized web. Actually, Facebook is bad. It's not bad because it offers a service that people clearly need. I think we can all agree that an easy publishing on-ramp is great, and that it should exist. Facebook is bad because its creators use it as a tool for mass manipulation and exploitation of its users, and the web as we know it facilitates this through a combination of its flaws and missing features. Facebook has created some useful services, but that doesn't mean we want to build Facebook again on a newly conceived network infrastructure. In web3 we see a latent opportunity to design new infrastructure that improves on the flaws and power imbalances of the previous one. But, if we seek only to re-invent the exploitative institutions of the past atop a new substrate, then frankly it's a waste of (most) people's time (I'm sure some VCs and early adopters have a lot riding on it, though).