For most people this has little value. The centralised banking model is cost efficient and for most people trust isn't an issue. The modern world runs on trust.
Also if I want to trade anonymously there is always cash ( as least for now ), which is a simple, well understood, near universally accepted mechanism.
There are niches where decentralized banking is useful - but they are niches - and many of them are associated with dubious activity.
On top of that the current tech plaforms simply don't scale - the cost of replacing simple trusted parties with technology is huge.
Not to mention NFTs, but it seems impossible to convince the HN crowd that there is a real art market in them, with real buyers and real artists using it. Any attempt to demonstrate this is met with wild leaps of logic - it's wash trading, it's not big enough, it's all a scam. I point to Beeple, Wes Cockx, DeeWay sales and all they tell me is it must all be a fraud. I show them markets with vibrant activity - Versum, FXhash, Foundation - and all I get is repetitions of memes around how NFTs are dead.
Successful scams have customers - the presence of people putting in money isn't a defining trait.
However I do think it's a bit harsh to call these things a scam - I mean take the art market itself - value is entirely subjective - doesn't mean it's a scam ( though scamming things happen in the normal art market to try and inflation prices ).
The question you have to ask yourself is:
Are you buying the NFT as an investment - because you think other people will value it, or are you spending the money because you are quite happy to own that thing forever and never sell - ie the value is to you.
I'd argue if you are doing the former you are more likely to be 'scammed' than the latter.
some people see value in this some people perhaps not