There is a core misconception at the root of your argument: that Bitcoin is a public affair (just as money has always been), and therefore it should be more 'de

There is a core misconception at the root of your argument: that Bitcoin is a public affair (just as money has always been), and therefore it should be more 'democratic'. See, what Bitcoin really is about is moving money from the public to the private realm. In the same manner that nowadays you don't get to democratically vote the color of my living room's couch or what I'll have for supper tonight, tommorrow you won't either get to vote the monetary policy of the currency that I fancy using. And that's perfectly fine because my choice won't "govern your life" as you put it. If for whatever reason you don't like Bitcoin you can stick to fiat money or use any other cryptocurrency with a different policy baked in. If I ever have to pay you money I'll just exchange some of my coins for yours at current market price (there'll be convenient services for that, rest assured), and you could do the same for me. Hakuna matata.