Yeah I guess you're correct, but when we uncover fraudsters nothing is done about them, IRL there is usually a governing body you can go to for help. Look at the Bruce issue thats forming, people are white-knighting him without looking at any of the information. Its almost like bitcoin users have their head in the sand when it comes to anything negative about the currency.
Each person spends LOADS of time learning a specific skills.Not everyone has the knowledge to keep their data secure, know how stocks work...etc.
With having a government, you can keep your life as simple as you want. Go to work, make money, go home.
Don't have to worry about how much money your currency is worth.
It's the only one that does that right now (they call it discount instead of interest). There are other online wallets, but none generates any interest.