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There are projects that make use of the public Ethereum blockchain that show promise. I'm pretty sure much of the same things you've said about this tech was said about the web in its time.

Anyway, it might still be upcoming, but just becomes something is on the roadmap doesn't necessarily make it vaporware.

ex:

* Brendan Eich's Brave Browser & Ad/Tracker blocking bypass token for publishers - https://brave.com/publishers.html

* Toyota's blockchain project - https://techcrunch.com/2017/05/22/toyota-pushes-into-blockch...

* Circle launched international money transfer via Ethereum - http://www.cnbc.com/2017/06/15/circle-launches-an-internatio...

* And all these guys working to leverage it - https://entethalliance.org/members/

I would wager that in the shorter term most end users will not be interacting directly with the blockchain, and that said kind of interaction is not where the more immediate value lies. It will build out in time, and more reliable sources will emerge for people to interact with the network financially. It's the writing that I see on the wall, anyway.