Frankly, I was surprised that the powers that be, ever allowed this to get off the ground in the first place.
One of the problems I had talking about crypto at the dawn of Bitcoin, was the feeling that we were "creating our own money." In their eyes, that had to be illegal, yet 10 years later, here we are.
I think some of the ideas that you mentioned, must have occurred to some bright minds in the bowels of a government agency. I see healthcare as another area where the blockchain will prove its worth, while doing society a world of good.
RE: Saving the Savers. Why I believe Blockchain and DeFi can be a real solution to one of our greatest structural economic problems.