I think you are not wrong. In the future (not a few years) the state is going to try to control our expenses like you say. But i'm sure about is impossible to make de usd deflationary, because the government have a lot of debts. They need to print more in the near future.

So, today they are rising the interest rates because they need to pretend they are trying to control the inflation and are thinking in the people.

Solana give us a really good example about how not being working in crypto. We dont need to be like a traditional financial company. We need more p2p and services without fractional reserve.

And i dont even know why that ecosystem moves millions on trade volume and liquidity pools. For me that blockchain is a nonsense.