Equality and smart contracts

Recently I was listening Lex Friedman podcast with Sergey Nazarov (episode itself released 5months ago) and they went into how smart contracts on blockchain would help regular people if their country is corrupt unreliable, has no services etc. One example they discussed was insurance for crops, how it would be more accessible if only options from country itself are expensive or just very bad in general (this part may be mixed from what i read in the video comments).

This got me thinking how can blockchain solve any problems related to 'expensive' part? Since services would be decentralised it would have to adjust its price to global market and therefore would be no good solution which price-wise would be optimal for Swiss and Zimbabwe alike. Either services for poor people would be inacessible or rich people would be even more richer because of the cheaper prices for services. Most of cryto prophets seems to avoid explanation for that.

Am i missing something?