Crypto makes it possible to find the right price (auctions, AMMs etc) and provide financial instruments (options, loans etc.) for a longer tail of assets.

For most end users this is too complicated to reason about. You just want a price for your desired object, not a complicated option and an auction.

However, if AIs are transacting with each other this "mental overhead" might not be a bottleneck anymore and they can leverage the full onchain financial toolkit.