I can answer that. We won't.
We'll keep iterating and redesigning until we have actual working general intelligence AI. Once we've created a general intelligence it will be a matter of months or years before it's a super intelligence that far outshines human capabilities. Then you have a whole new set of dilemmas. We'll struggle with those ethical and social dilemmas for some amount of time until the situation flips and the real ethical dilemmas will be shouldered by the AIs: how long do we keep these humans around? Do we let them continue to go to war with each other? do they own this planet? Etc.
I completely agree with your post except for the last part.
This all depends on the risks involved in the traditional systems you're comparing the cryptocurrency to. Traditional systems are exposed to some kind of risk that cryptos aren't. For example, with cryptocurrency your account can't be seized or frozen by authorities, be them governments or banks. With some cryptocurrencies you are also at much lower risk of hyperinflation (or inflation in general).
In many cases the risk involved in using cryptocurrencies will outweigh the risk posed by traditional finance, but that's not true in all cases. In some parts of the world, the risks involved in traditional finance are significant...