Any exceptional product will be by definition, elitist. If you want mediocre money, look no further, fiat is here. You want terrible money? Go to Zimbabwe. Paypal, creditcards, bank wires all work perfectly fine for almost anything in a mediocre society. Those living in those societies pay the price for embracing mediocrity through being strongarmed by goons and having their money constantly devalued by shallow moralists.
Now, I want my money to be 100% free from morals, except for those that promote its minimal requirements: freedom from the meddling of idiots who will squander it in their idiotic socialist projects, technological and financial soundness.
Open source is highly overrated, It took an exceptional thinker (or group) to create Bitcoin. Open source has as yet yielded a deluge of shitcoin copies. The only positive aspect is the source code being available so people can trust the protocol to work a certain way.
As an aside, I am annoyed as fuck at the constant misuse of the word consensus, which is turned into the socialistic notion of every idiot's opinion being worth as much as the next man's opinion. This was never true, and I want my money to be created by the brightest of the brightest minds, who disregard what the mediocre might or might not think about their work.