Because HN folks don't want to live in the anarcho-capitalist libertarian dystopia, where whole world "money" is controlled by a few criminals in the offshores, like Zhao, Giancarlo, Sun, Sam, Alex, etc. and by a small mining cartel controlling every transaction consisting mostly of the same people. They don't want to have their transactions blacklisted (like all those "tainted" bitcoins for example) and don't wasn't to be dependent on the centralized exchanges controlled by criminal, on on the decentralized exchanges also controlled by criminals and relying on shitty spaghetti code (just today Uniswap was exploited, but tokenbros don't write about it, interesting right?). They don't want to live a world where every single thing is monetized and rent is extracted forever by a few "early adopters" of said tokens.

Sure, there are problems with banks and goverment overreach, but those need to be fixed, not completely replaced with a worse alternative.