Back when we had film cameras... would you have ever thought of taking a picture of your meal? Basically a dollar of consumables to show someone a week later what you ate.

Digital cameras are what every amateur photographer dreamed of. Being able to take pictures endlessly without thinking of cost.

I feel you are correct in your vision of the problem and the failure of whats-is-name's solutions.

The entire thing that would support self driving taxis would be eliminated by self driving taxis. Or, we drive to work and the store, because they don't come to us. Add in self-driving and, ... why do we need to transport the people and waste their time?

And money is costly. And, although cryptos are far better, i think they will only be a rest stop on the way to something... else.

Trading time for money to trade for products is wasteful.
So, with computer AI and block-chain trade my time as a manufacturer, for your time as an iron producer...

And then financial institution become a bad dream that everyone suddenly wakes up from.