You do realize that you can trade on margin at exchanges like Poloniex, right? That you can purchase an amount of crypto greater than the amount you can actually pay for on credit with the exchange? You're acting like banks are some monolithic entity that only exist to harm people. They don't.

As far as crypto goes, it certainly works as a store of value, but until it becomes decoupled from fiat valuation, it's mostly irrelevant in the context of this conversation.

It will be established that when a person comes of age, they are entitled to a piece of land.

Not so fast there, Turbo-Lenin.