> Who do you turn to when you get scammed, hacked or robbed when it results in lost crypto funds?
The same thing has been said about self-checkouts ("Who do you turn to when you can't find an item?"), self-serve purchasing models like AdWords or AWS ("Who do you turn to when you need customer support?"), and self-employments platforms like Uber, Lyft, DoorDash, Postmates, etc. ("Who do you turn to when you want time off or career development?")
The actual response to all of these is "Well, I'll figure it out myself." People who use self-checkouts generally know how the aisles are laid out in their favorite supermarkets, or they just walk until they find things. People who use low-volume AdWords, AWS, or SaaS vendors turn to forums & StackOverflow when things go wrong. People who drive for Uber just stop working when they want to. Similarly, people who want to avoid getting scammed, hacked or robbed with cryptocurrency do their research on vendors; they do Google image searches on headshots of ICOs and look up founders on LinkedIn to see if they're fakes; they keep their crypto on a hardware wallet in their physical possession; they use strong passwords and 2FA that they don't re-use for any other sites; and they don't talk about their Bitcoin holdings on the Internet.
All of these developments are controversial, because you actually are losing a human interaction that some people found helpful. That hasn't stopped them from growing quickly, because they take the human (and their associated salary) out of the loop. This lets firms offer a service to groups of people that it wasn't previously able to afford it. If you wanted to buy ads for a global, targeted audience before Google, you just couldn't do it. If you wanted to host software before AWS, you went to a colo or dedicated hosting provider and put in a lot more effort than their self-serve solution. If you wanted a side-hustle before the gig economy, it generally wasn't worth the search costs of trying to get an additional job.
If you have less than $10K in deposits (which is the majority of people these days), the bank is not your friend. They try to get you on little fees for everything, and pay you effectively zero interest, and occasionally go down for maintenance when it's exceptionally inconvenient for you (aside from many of their services only being available from 9:00-4:30). When the alternative is that, then the idea of a global, decentralized system that charges a flat fee per transaction and no fee to hold your wealth gets pretty attractive.