I'll add to my previous response to this post: Bitcoin users fall into basically two camps: 1. Users who want to ride the hype to make money (be it through sp

I'll add to my previous response to this post: Bitcoin users fall into basically two camps: 1. Users who want to ride the hype to make money (be it through speculation or through a centralized service). 2. Users who want untrusted decentralization as an ideological benefit. If you're in the first camp, you have no reason to care about decentralization. And frankly, if you're in this camp, you're more likely to be taken by one of the more knowledgeable users in this camp who is running a scam of some sort than to make money yourself. The traditional banking system might be better for you. Not because you're not welcome, but because untrusted decentralization doesn't fit your goals. If you're in the second camp, you have little reason to want adoption beyond a certain point. Obviously adoption increases value and utility of your coins, but it also pushes regulation (i.e. recent Chinese policy changes) and centralization (like SegWit). Large-scale adoption has not been a good thing for ideological proponents of Bitcoin. It sounds like you're in the first camp, and you're not going to understand why the ideas you're posing don't work until you understand the second camp. Bitcoin was created for the goals of the second camp and if those goals aren't your goals, using it is probably counterproductive.