I don't know how it works with others, anyway, but for me there's a type of ease I get when transacting with Bitcoin, especially funding an account or something else online. The convenience of sending it and getting it reflect almost immediately (especially days when there isn't much congestion), makes it easy to conclude that the role of middlemen in transactions is a real bottleneck.

We can't rule that out happening in reality and sometimes ending well too. It's only disastrous embarking on if one doesn't have anyone to mentor one. I barely knew what Bitcoin was when I made my first Bitcoin investment in 2017. I believe many people now are like me in 2017.