Nice little insight. I do have one thing to mention though:

My problem with this view is that it totally negates the role of a save third party. Banks are used as a safety net and trusted third party in payments. With BTC only transfers, you still do not know anything about the other party’s deal record nor do you have any possibility to unravel the payment/contract. With a trusted third party involved, you can easily freeze or unravel the payment until further notice. This is (to my knowledge) still not possible with crypto-only payments. Please correct me if I’m wrong.