I know this is highly unpopular in crypto-twitter, but I believe anonymous financial blockchains are a phase. Most financial activity will end up with KYC either on all entries/exits, or better yet, natively at the core.
2/4. When law-abiding people, companies, and institutions do any significant business, they want to know they are dealing with a legit counter party.
The market for those who don't care who they deal with is limited. Most people want to be on the right side of the law.