> ADDS slow clunky overhead; that's the price of decentralization.

Actually, you can just use a federated blockchain.

> Everything you're imagining is ALL done much easier with good ol' databases

There is an ecosystem of 10s of thousands of developers that can run specifically ethereum contracts on a database, while being compatible with all existing stable coin onramps?

You have to show me the 10s of thousands of developers is the point. Thats an ecosystem. It means that you can connect to all of these existing apps and on ramps, and smart contracts and more. There isn't a database version of that.

Yeah, as grumpy op, I should slow down and give your ideas more credit.

Very optimistically -- what you're saying is correct. There is a best case scenario in which Stripe et al observe all of these already working and perhaps popular financial use-case things (perhaps to compete with bigger banks or just because they see/believe it as the future) and encourage adoption.

I'd bet this won't much happen, but I really do hope I'm wrong.

What are the tens of thousands (?) of devs doings that is more efficient by doing it on a blockchain is the question

Hint: the point of "proof of work" is to do more work than necessary