So while I'm not versed enough in the crypto-space to comment on your first two points, I'd like to agree _Heartily_ about point 3, "Ease of use in the cryptocurrency world is something of a joke..." (And if that's why you're being greyed, that's dumb.)
As a "dumb user" I went to buy some crypto after the initial crash last winter. I found that: Most exchanges do not permit use in my state (Washington). Of those that did, Coinbase/GDAX ended up having technical issues, leading me on for months of useless support tickets, before blackholing me entirely, and once I finally obtained some eth on gemini, diversifying it into a handful of altcoins required yet-another "exchange search", learning how to do some very sketchy wallet transfers, and using MUCH less trusted exchanges that actually allowed my state and the pairings I needed. (And if I want to liquidate my position, I have to basically invert this whole mess of a flow.)
I very well could be going about this in a dumb way, or it could have improved, thus this post (in that someone can feel free to correct me). My perception is that ease of use is in fact a joke, and if crypto wants to become a thing for "Boring Normal People" it needs to fix that.