Changes are coming! I am one of those people who don't trust the system, and it is because of trust more than because outdated technologies and for sure over regulations (you said it nicely by the way). Very unpleasant workers that always ask for one more paper...
And people will realize all the benefits of decentralized apps, we just need to give more time to ongoing adoption, nothing magical will happen overnight, but as we all see crypto is bigger every year, step by step (sometimes more than one, forward & backward).

As some above saying, we depend on system... more or less in my case, and you can read about people who went full crypto! It's happening around...all depends from individual situation (place where you live, laws around), but people manage to find ways, more and more! We have a good direction I believe!