I think skeptics of cryptocurrency get too focused on applying cases where their traditional banking systems serve them well, rather than how such systems do no

I think skeptics of cryptocurrency get too focused on applying cases where their traditional banking systems serve them well, rather than how such systems do not serve marginal actors very well (or at all, for whatever reasons). Cryptocurrencies don't need to appeal to mass market users who are already happy with what they have. Appeals to legality (without stating jurisdictions or enforcibility), cries of rampant speculation (without acknowledging how much speculation already occurs in many kinds of markets and financial instruments), doesn't really matter to those who are now enabled to do something in a way that they couldn't before. People using cryptocurrencies today to engage in various forms of trade valuable to each other, don't care what people on the sidelines think.