I agree with you; the finance aspect is the tip of the spear; it dilutes everything into something simple: the price and where it's going, and that's where the vast majority hang out, and very few have ventured further.
If you listen to the tech-focused people, they are very nuanced in their opinions, and there's more indepth debate on the problems Bitcoin has to deal with.
I think it's important that more people come in with different world experiences; money and tech came first, but we need more perspectives so we can see where the shortcomings are and see how the tech and money people can come in and solve those issues.
For example, shared custody is big in Africa, and community savings are pretty normal we call it "Stokvels" in South Africa, but we don't yet have a Bitcoin product/service/protocol that can support this type of custody model; Fedimint is going after this market now, and keen to see how it plays out.