Don't think so, no.

They're a feature of the broken money, a tax-efficient way to move fiat value around.

With good enough money available (gold or bitcoin, let's say), the need for them should just dwindle.

anyway, I've tried to reason about some of these topics, e.g. here: https://thedailyeconomy.org/article/how-societies-save-for-an-uncertain-future/