The bankers are the ones that spread the pessimism.
They do not want us to have crypto because of the fact that they lose money on the commision. With crypto there is no commision for them.
Crypto is a huge threat to conventional money.
The way todays economy works is that you need banks and bank accounts ( for which you pay fees ) for everything, getting a job, a company or just being a student in collage.
Seems okey, for the XX century not XXi.
The way crypto works is that you have a transparent ( yet ID protected ) system, with little to no fees, and the transactions are done in an instant. No more hassle.
Bankers are not worried about commissions but control. Governments... pretty much the same. Cryptos give, again, control over your assets to people who really own them and this is something really unacceptable by institutions and banks.
This is the real innovation not the fact that a transaction could be done on Sunday...even if for some under developed countries just that could be enough.