I saw the value of bitcoin and the blockchain as a payment system in 2013

And yet it has failed to provide any real value in that front in over a decade of existence. Bitcoin itself and similar L1 blockchains are too horrifically inefficient and (aside from debatably Monero?) they haven’t truly been any more private than traditional payment methods. L2 blockchains don’t even help solve the problem of transaction speed/efficiency enough for widespread adoption, and other techniques such as sharding have problems of their own that harm viability as a valuable payment system. And none of this even touches on the instability in value of the currencies themselves - even “stablecoins” aren’t safe, as we’ve seen from the collapse of several in recent years. The blockchain does not provide any broad value that is not already provided in better ways by other solutions that already exists - hence, “a solution in search of a problem”.