But all of those use cases would be better served by centralised systems. There is no technical reason that clearing in centralised systems needs to take a long time, it's just antquited systems and processes that the parties involved have little incentive to change. Tokens for ownership of assets still relys on a legal framework to actually enforce so might as well be centralised. Imagine if tokens conferring ownership of a house were hacked/stolen, you think there would be no legal recourse to recover and reverse the transaction? If there is then that's a centralised system and makes blockchain pointless.