Coins are just the last part of long trend of financialization with somewhat different technological implementation. You take an underlying asset and you create financial instrument that enables more efficient trading and valuation in the marketplace.

I understand blockchain and cryptoeconomic angle better than I understand the current system and I suspect that it's the same with you. When I talk to people who understand current finance systems, including clearing and settlement I think my own enthusiasm is party based on my own ignorance of what already exists.