Bottom line: there's always a gatekeeper.

Who is the gatekeep for long distance communications? Years ago, it was the major telephone companies. Today, who dominates that market? How many different ways are there to communicate with someone on the other side of the world? Hundreds? Thousands? There are a plethora of messenger applications, many different cloud storage applications, programs, SMS, and who knows how many websites that accept commenting or posting of information.

Who is the gatekeeper now with the transfer of money? Isnt it true that we can use hundreds of different tokens to send value from point A to point B without a gatekeeper?

You could make the case, especially with the communication, that each of those applications is a gatekeeper. This is true. However, in its entirety, there is not a single gatekeeper. Plus, these are two examples that changed within the last 10 years. A decade ago, AT&T still had a thriving long distance service. Now, it is not much if anything.