To be fair, a lot of the folks saying "BTC Fixes (XYZ)" in whatever context they're talking about don't actually know anything about how (XYZ Thing) works. Eth maxis are the same - and probably most folks who tie their identity to an object. They are useful in some situations but like... ETH will never be as adopted as they think because it's gas fees are bonkers. BTC will never be a transactional asset, because it doesn't make sense. It's, for good or ill, going to be stuck as a store-of-value which by nature of those types of assets puts it out of reach for a ton of folks. The venn diagram of folks who store gold/silver and folks who store btc is decent I'm sure.
Even Hive isn't a one-size-fits-all 'fix' to anything. We do some things better (speed of transactions and fee-less transactions being a big one), but everything has weaknesses. Holistically, crypto as a whole may evolve into a 'fix' for traditional finance, but I suspect it'll just end up being TradFi2.0 by that time and we'll just have new ways for things to fail and be rigged against the majority of folks.