I worked in blockchain 5 years trying to build good tech, and speculators ruin everything and don't care about good tech, but the real punch line is that
good tech is like 2% of a real answer
Here's a rant about a bunch of other layers of 'so you want to move money'
https://voidfox.com/blog/payment_processor_fun_2025_making_y...
and different parts of the blockchain ecosystem are working on some parts of that, and all together they're still a long ways off