The first commenter was me. The financial markets are horizontal in the goals they serve. Drawing connections to specific utility can be done, but doesn't have to be done. For example:

Efficient markets -> lower transaction costs -> greater access to the markets by everyone -> farmer sells a futures contract to lock in price and hedge risk -> farmer uses capital to buy equipment -> farmer grows more crops

Your definition of utility is valid, but your desire to draw direct connections between end game utility is misplaced because there are millions of connections that can be drawn. Each market participant interacts with the markets according to their own definition of what is and is not important to them. You seek to define value for every human using financial markets in the world.