All you say is very reasonable. But how much time do we have? Is the system heading towards the utopia that this logic suggests if we don't correct and influence some behaviors that do not favor that outcome? The ones who are highly motivated to react and influence are the advantage-seeking actors. In the FIAT world, it's evident; in the altcoin world, it's also very evident in most cases, but in Bitcoin, it's more subtle because they camouflage themselves within the philosophy of Bitcoin.
If I look at history, the paper money system was first used in China in the 7th century, and the fiat money system was implemented in Europe in the 17th century. It was a very long process until the fiat financial system could be adopted en masse. If we look at bitcoin, bitcoin has a lifespan of 24 years since it was first introduced to the public, that is a very young age. In my opinion bitcoin does not take as long as fiat because bitcoin was born along with massive technological developments, so according to my prediction the blockchain system (bitcoin) can be implemented en masse in the next 30 or 100 years. That may sound long, but if you look at the history of fiat money, bitcoin implementation seems pretty quick
I know, that what I convey is more of an assumption and prediction but the bitcoin community is growing day by day, so the adoption of bitcoin is not something utopian. Moreover, in my opinion, this is still in the introduction of bitcoin, maybe in the next 10 or 20 years bitcoin will enter a phase where bitcoin is used for transactions because many people already have bitcoin. And the final phase is mass adoption