For all of its faults, I haven't seen a better system that gives absolute authority to the resource holder.
Someone could use a CEX if they're comfortable with that, if they want more freedom, they can use a DEX.. and depending on their situation, they could go straight to barter. If they have issues with the normal banking system, they have absolute freedom to figure something out for themselves. Because it's ultimately distributed to the resource holder, there's an unlimited number of possibilities people can use to solve the last mile problem
Just using Patreon as the counter example, if it works for you it's great, if you live in a country they don't support sucks to be you, if you can't identify yourself sufficiently for them sucks to be you, if your content is isn't of the type they approve of sucks to be you..
It's left as an exercise, what you value more, convenience or freedom. But people on peer tube I believe have demonstrated they value freedom more
Not to mention, off the top of my head, at least 3 billion people, do not have access to a " Western Banking ".. they are not even able to participate in the other systems available. That's almost half the human population that exists right now. Crypto can work for them. Crypto can work for every human. Western banking, as convenient as it is, if you're willing to accept all the trade-offs, simply isn't available to half the population of the Earth.