Crypto is mostly a store of value and an accounting ledger (I.e. to represent ownership). It's the thing people would run to if there was a run on payment platf

Crypto is mostly a store of value and an accounting ledger (I.e. to represent ownership). It's the thing people would run to if there was a run on payment platforms. That's why it will always be more valuable. Cryptocurrencies represent a safer place to store wealth and the smaller transaction throughput is worth the substantial amount of additional security it provides. Payment systems will always be more disposable and geared around large quantities of small day-to-day transactions. It doesn't make sense to hold any substantial amount of money on these platforms.