In the current electronic fiat system, a few companies control both the gates and the network. Crypto at the moment decentralizes the control of the network, which is already a step forward.

Crypto can also be used to decentralize control of the gates, such as allowing goods services and taxes to be paid in USDC and DAI, so that there is less need to use a CEX. But there are regulatory and technical barriers that prevent this from happening right now. The people who want blockchain adoption ideally would like to see those barriers to be overcome.