...
And you forgot the most important part. The "business model" not only *can* adapt - it will adapt. Its in the code. If for whatever reason the core devs engaged in a 10 year debate about whether monero should be a coffee blockchain or a settlement layer and this resulted in *nothing* getting added to the code, current codebase would let the blocksize increase and 40k tps would be filling out holographic datacubes with cryptographic nonsense. .

less human intervention required = better cryptocurrency.

*edited to add "required"