Wow OP, that was a real mouth full and a can of worms kinda post.
I think the freedom from the majority consensus is already a huge step in the right direction, because we will be seeing the competition crushing that freedom with centralized control in the upcoming BankCoins and even some of the GovCoins. People will only appreciate the consensus based "freedom" of Bitcoin, when they see what Banks and governments will be doing with their coins in the future. <The public will have no influence in the decision making for those coins.>
If some developer or node does not agree with changes, then they are welcome to create their own Alt coin and if they get enough support, then they can force a hard fork, so there is nothing wrong with that idea in my opinion.
BankCoins and GovCoins are more likely to be stablecoins so they will be pretty diffrernt comparing them to other currencires. There will be some purpose to buy them that will be related to issuer's service and won't be giving you a profit for HODLing them.
Also public should have an influence. I'm sure that banks won't sustain their coins if they won't be getting any profit.
Banks are not into Crypto currencies for pure profit, they want to use Crypto currencies because it gives them more control and also more opportunity to track the money flow. <Governments wants more surveillance opportunities on people's finances, so they encourage transparent Crypto currencies, where owners are identified and the Banks are utilized to implement this.
So, our financial freedom with Bank coins will not exist, once they developed their own technologies. <Governments will also find a way to force these coins onto citizens in the future> ….So say goodbye to fiat <cash>