Eh, I wouldn't go as far as calling distributed ledger tech a scam. Sure, 99% of the current ecosystem is at best digital tulip trading if not an outright scam, but that doesn't mean everything blockchain-related is a scam.

There's valid use cases for what's essentially a distributed database with immutable history (or a "smart contract" system which is essentially a distributed singleton VM with immutable state history), but NFTs etc ain't it. Fintech will probably incorporate some of the stuff that came out of the blockchain craze, but I figure that at best it'll be like Linux; most people who use the internet interact with Linux systems pretty much all the time, and of course Android is a Linux-based phone OS, but very few actually run Linux or even care about the whole concept. It's just part of the infrastructure, which in my assumption some kinds of blockchain-ish technologies might be. Probably just not the public networks people associate with it now, but private / internal ones with limited validator sets etc