A decentralized, global currency that makes sending/receiving money cheap & easy anywhere in the globe. I do think payments will come in time as well with Visa & Square both heavily invested in the space.

It doesn't need to be optimal or better than any of the other solutions. Because the above is enough.

Something like that takes time. Like you said it's not just about the technology (which itself has evolved a lot). It's about momentum, knowledge and trust.

We now have the crypto.com stadium in LA (ex Staples Center). It's gaining momentum with the public, corporations, and financial institutions. The decentralized nature has made it so far resilient to bans & attacks.

It's fine if crypto gets heavily regulated. In fact in my opinion that would only build trust in it. The space does not need to be the wild west.

But people take more time to change than technology.