This is a really interesting outlook on the future of crypto. I agree with you that aspects of the current financial paradigm will continue long into the future but I am hopeful we will see big changes in the coming years. The idea that people need to find their own value on the blockchain is valid. That's part of why I am here on hive and POB, not just trying to play the markets and failing through lack of knowledge and inexperience. That seems to be a trap that too many fall into when they first start diving into cryptocurrencies and chasing gains. A major obstacle to crypto going forward is going to be the fallout from the rise of all of these moon coins that have no real utility and take advantage of the wen moon mindset. When these coins prove their lack of value and are abandoned by their deflated followings it will make it even harder to convince the average person that crypto is still the way forward... As for red or green... I tend to take that part out of the equation by deliberately locking tokens in staking programs or liquidity pools so I have to think 2-3 times about it before I make any rash decisions.
I am the same way. I like having things locked up so there is more than one transaction and 1 minute to get things traded. LP's are nice too on red days... you are still earning more.