[mbesto]

> but it's more like a voucher

Vouchers already exist - they're called cashier checks.

> transferred on an immutable ledger.

Which isn't universally a good thing. If someone steals your voucher, there is no recourse. If someone steals a cashier's check, I can call the bank (and sovereign authorities).

Said differently, one is not equivocally better than the other. There's a tradeoff.

> Wish Hacker News wasn't so curmudgeonly about crypto and actually tried to imagine the multitude of ways it would improve society if adopted.

I wish crypto advocates would stop being such apologists on HN. It's not productive. Make your statement, explain your rationale and defend your position.