Venmo does not work without a bank account or Government Id.

Venmo does not make cross-border payments.

Venmo does not allow me to take a loan or to borrow money to anyone that has any kind of collateral.

Venmo can seize my funds.

Venmo (or Paypal, Stripe or any payment system) won't accept to work with me if I sell things that are perfectly legal but deemed risky.

Venmo (or Paypal, Stripe or any payment system) won't accept to work with me if I sell things that are perfectly legal but deemed immoral.

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Okay, I get that the standard crypto "enthusiast" keeps talking about it like it is going to replace everything and that therefore they will get in to become quadrillionaries.

That's a naive view. Crypto is important even if doesn't replace all of the existing institutions. It is important because it increases optionality. If a centralized system works for you, great. But for some people it doesn't, and these people still need a way to invest, save, make commerce, etc, etc, etc...