Unit prices, of whatever crypto-currency you pick, are set by free market exchanges. There are many other advantages to using crypto-currency, instead of fiat, as long as we have an internet and power to run it. That said, our world today wouldn't exist either, without power, or the internet.
In the early days of bitcoin anyone with a high end PC could hope to mine a few coins. Now there are server farms devoted to mining bitcoins. There is no way for the average person to create money anymore.
Ever since the invention of sticks and sand people have been able to do their own accounting. Now that we all have access to Excel, etc. we are OK with accounting without the need for block chains.
Block chains are some sort of Trojan Horse for something evil. Prices on the stock market are basically being set by computer algorithms. Now the stock of money will be set by algorithms. We're probably being set up for some sort of system where all financial transactions are based on algorithms beyond the comprehension of the average investor. This will probably lead to more and more people giving over their portfolios to brokers who will take all of the money from their clients and bet it on the opposite sides of all of the trades their bosses are making so that their bosses can be rich and give them great bonuses while the average investor, retirement funds, etc. are decimated.