One big solution to the world that altcoins could produce is the equal opportunity. Right now you go to a bank and tell them what you want to do and need some loan to start and they basically check your records and decide according to your previous bank payments. If you are not a rich person who had insane amount debt that kept getting paid constantly than you will not have a good credit record. If you specially work in a business that takes cash payments all the time than it wouldn't show on your credit.

With blockchain and altcoins you basically tell the world what you want to do and who you are and the free market decides if you should get a shot or not. It is not about your credit, you are not a stat on a sheet, you open yourself to the world and than world reacts to it.