You are describing centralized and walled-garden services run by middlemen. The significant difference of a blockchain is that it is a decentralized protocol th

You are describing centralized and walled-garden services run by middlemen. The significant difference of a blockchain is that it is a decentralized protocol that any individual or state can build upon, much like HTTPS. Pix, for example, is managed by the central bank of Brazil. Ethereum, on the other hand, is not managed or controlled by a single state actor.