This is why I claim that the burden of decentralized trustless systems is so big, that it only pays in those circumstances where the paranoia is justified: in unregulated finance, in illegal/criminal affairs, and other such endeavour, but will not go mainstream.  There's, indeed, no point.  This is the niche for crypto.  It can be a big niche.  But not mainstream.  That's silly.  Too much burden.  It is like going to buy bread with a tank.  Too much overhead, too much hassle.  Unless you're in a war zone.

In normal society, we hold one-another by fear of the consequences of being openly dishonest, even if we would like to be dishonest all the time, we're forced, in the same way, into honesty most of the time, unless we are in power - being in power is exactly what allows you to be dishonest without consequences, which is why power is wanted by most dishonest people, who get into power.  But even there, they cannot be as dishonest as they would like and are afraid of the consequences of their dishonesty (to a lesser extend than normal people, but nevertheless).