There are many who avoid exchanges altogether which was the original purpose of crypto: DeFi

And DeFi has no way to interact with the real world and fiat. The fundamental flaw with crypto is that the real world requires trust and governance to handle the corner cases when there are disputes between parties. None of the blockchain technologies in use today have solved that. If someone knows otherwise, please show me. I have a friend that lost 7 digits worth of crypto assets because of this issue 5 years ago, and it seems to keep on happening to other people. This is flat out wrong, unethical and immoral.