Awesome article. I agree with you on so many parts :D !
It's true that Software devs are doing all the work but while the work is being done to scale the tech more and more people will be able to design a token with minimal complexity. I created my own token just for fun on the Eth blockchain and I just needed 1 Hour of learning. This helps to tokenise everything and be able to exchange everything too in a decentralised manner with no limits but the User interface and awareness are not their yet but people are seeing the potential.
sorry for the long comment :D
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Thanks for reading it.
Since you program on the blockchain, you may want to check out the below =>
https://medium.com/@merunasgrincalaitis/the-ultimate-end-to-end-tutorial-to-create-and-deploy-a-fully-descentralized-dapp-in-ethereum-18f0cf6d7e0e
With articles like these, things will only become easier to build on the blockchain.