The advantage that Ethereum adds is other existing DAPPS on Ethereum. For example, a hotel owner could put up a room for sale and buy insurance right away for the case it won't be rented out in the next 24 hours. Or the owner could ask a prediction market, "what price should I set for this room?" to maximize my revenue. It's kind of hard to explain, but the biggest selling point of Ethereum is an ecosystem of Dapps working together.