There's some kind of circular reasoning going on here.
Banks are more careful, and that's why they don't deal with certain kinds of transactions. And that's where crypto comes in to "disrupt banks" and "democratize finance".
Long term, crypto will be no different than regular currency and finance because people don't like getting ripped off and defrauded. We'll have a period of time with people pulling old scams but with crypto, and eventually it'll be regulated just like normal finance.
The problem is that crypto is designed to evade regulation. You can put lipstick on a pig and regulate the centralized intermediaries (which, remember, crypto aimed to disintermediate): exchanges, custodians, ETF providers, ...
The dilemma is that you can either escape those regulations by going to unhosted wallets (self-custody) and transacting on the blockchain, or you keep everything (by regulation) entirely within the regulated intermediaries, but then there's no need to waste 1% of world electricity on some slow "decentralized" database.
How is it designed so? You pass a law that puts anyone running a node 10 years in prison and anyone accepting or paying through it as well. You see, easy.
For this to not be possible it would have to be widely in use and government-backed.