I agree, the steps we need to go through in order to use the value created by cryptocurrencies in the real world is quite draining at the moment. I think that at my last transaction from steem to fiat I lost more than 10% of the value.

Another major problem that crypto faces in being used in the economy is price volatility. One of the first tokens that will see mass adoption, I believe, will be a stable coin that does its job properly without being backed up in FIAT. Most probably google or facebook will be able to create such a token and give it a constant value by saying they will accept it for services at parity with the USD, for example.