Tend to agree, too many focusing on how to gain off of the technology instead of focusing on how to make it easy to use as a daily currency. Living 3rd world one sees the necessity where massive banking fees have been implemented, making movement of any currency nearly impossible without attracting large costs.

Once bankers and governments realize they are not losing copious amounts to implement, the systems will start being trialed into markets. Problem is it needs to be global to overcome across border transactions.

Another 5 to 10 year waiting game, have sat out the first 3 years and still holding on to see who will make the next big prevalent move.