It's like they are complaining about a gorgeous, smart, kind, sexy woman, but she doesn't root for the same sports ball team you do.  No solution is perfect, and it is light years better than the fiat counterfeiting scheme that steals your wealth as reliably as water eroding away a sandcastle on the beach. 

 People in Sweden, Brazil and China have instant payments from anywhere to anywhere at zero or near zero cost, and adoption is close to 100%.
It works, people love it, and it is fiat.
No point in arguing with facts.

Ethics is irrelevant to the point made, we're talking adoption and performance here.