There’s also the less intimate, less personal trust—we might not know someone personally, or know their motivations, but we can trust their future actions. Blockchain enables this sort of trust: We don’t know any bitcoin miners, for example, but we trust that they will follow the mining protocol and make the whole system work.
Credit card fees are still higher than most crypto fees in most cases, but they are invisible for buyers because, unlike crypto, merchants pay the credit cards' fees. There are even cryptos with zero fees, although my personal opinion is the fee-based model is the most sustainable one, if the fees are charged to merchants.
This is correct, but unlike banks, credit card brands, and other financial institutions - the crypto governance can be democratic, and every stakeholder can vote and promote any changes.