We mostly agree on your points. As I said, the FOSS aspects (which you describe well) are of interest to "undercapitalized startups, amateur financial services, and hackers interested in innovation in this area."

I think my additional points are essential, however: Consumers (and the public) are not interested in rapid development of financial instruments, they are interested in integrity and availability. To them, 'rapid' is a negative. And status quo powers in the financial industry, the banks, are not interested for other reasons too.

Maybe the best thing to develop is a way to make blockchain financial instruments have integrity and availability to match the existing financial system. The integrity and availability are awful, with a high frequency of scams, arguably enabled by the 'rapid' development aspects. If integrity and availability could be integrated into the abstractions, there might be a lot more interest.

Well eventually consumers don't really know how the system they are using works. Prediction markets run on blockchain but few people know this. Robinhood is offering trading in perpetuals of companies that haven't IPOed yet and you would not know.