Well, for solving both the UX and regulatory issues with cryptocurrencies... I'm not optimistic, but I am open to being pleasantly surprised. On the UX side, I

Well, for solving both the UX and regulatory issues with cryptocurrencies... I'm not optimistic, but I am open to being pleasantly surprised. On the UX side, I think a huge problem is making it possible for users to participate using a non-custodial wallet with as little risk of data loss or compromised credentials as possible. So it needs to be hardened against ignorance, stupidity, house fires, malware, and social engineering. That is hard. Irreversible transactions greatly up the stakes while increasing the incentive to attack. Do you ever feel a bit nervous about the send address being wrong when you use cryptocurrency? A thing I didn't mention but is equally important to solve is developer experience. I wish there was a turnkey SDK that took care of most of the technical stuff and just let you use cryptocurrency like it's PayPal. If we had on-chain subscriptions (I think Ethereum can do this?) it could be even more powerful. The technologies offer a ton of possibilities but taking advantage of it correctly and securely feels like a tall order. Dealing with cryptocurrencies feels more serious than dealing with traditional payment processors: you can't undo when you fuck up. Some of this can be resolved. On the user side, users can keep less value stored in wallets long term... Though this is more cumbersome and less usable. On the developer side, developers can make nodes that can verify transactions but not spend currency... But this can be challenging (I think it's weird to do with Monero for example?) and it closes off some use cases ("escrow" style transactions; Skeb-style commissions would be a good use case.) If it gets solved I will celebrate as it seems like it would have a lot of positive upsides, but I think you might need to pardon my skepticism: it's been a lot of years and it hasn't gotten that much better. (Granted, it's still pretty new, but the momentum is slower than I would have hoped.)