With significantly more cost, complexity, obscurity, and gatekeeping.

The beauty of bitcoin is I can compile a open source program, and my own hardware will verify that all the rules of the blockchain have been followed, and no one has spent any funds that they don't have the crypto keys for.

I've been banned from one bank. I have friends who are sex workers who are partially debunked (sex work is legal in Australia, but PayPal doesn't care).

The truckers in Canada are also finding it out the hard way.

Are these edge cases? Perhaps. But they seriously affect the lives of people.

If millions of Russians suddenly find themselves without access to the international financial network, I have a feeling a lot less people will think "bitcoin has no value".

I wouldn't call this consensus, as there is no global view and "total ordering" of transactions. Different parties have different views of who owns what, and extremely partial views at that.