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I agree with you that dApps will probably work fine. Augur seems very promising to me. What I don't yet fully understand is how digital contracts will be much more transparent than current contracts. As you said, contracts can be very granular and complex. Take, for example, a rental contract. How is replacing legalese with ether code going to make it easier to understand for everyone in the world who can't read code? Hacker News suffers from very reactionary comments. Most comments are just rebutting some of the arguments of the post or comment above it. The self-driving car comments there taught me that they're disproportionally sceptical when there are easy counter-arguments to make.