You have become such a crypto fanatic that your logic is not working properly, tell me how crypto can be a solution for those who do not have access to bank loans? Do you think crypto will automatically be owned by you when you download the wallet? everything still has to be owned with money, so if you can't access bank loans because you don't have collateral then there is no way you will benefit from crypto because it can be used as an alternative, even crypto is a risky thing, when you meet people who can be successful because of holding crypto I am sure there are more average people who actually experience losses because they are involved in crypto without adequate knowledge so they become targets of scam projects.
Crypto is just a type of digital currency that will help your online transactions and can be profitable if you have the right one because of the price increase and before getting it you have to risk money by buying it in the hope that there is profit to be enjoyed but being bankrupt is wide open.