My take is that we really need to work with our legal frameworks, instead of trying to workaround and expect to succeed in the shadow of "the man".
> I think we need decentralisation and “crypto” to succeed.
I was waiting to see if crypto could mature and fit into our society, and my impression is most succesful actors don't care about how it's used and build a business around milking "investors", and there is very little effort to talk to existing entities to make it something that could actually work in our day to day lives.
It might feel like a wild take, but focusing on decentralisation will probably be a dead end, and it's fostering the idea that crypto will succeed adversary to banks, governments and other financial institutions. I'm thinking about deposit insurance, anti-laundering laws, terrorist founding surveillance, customer fraud protection etc. There's no way crypto goes anywhere practical without those in place.
It's still fine of course for greyish activities (reward largely exceeds the risk) and anything that's small enough to fly under the radar (losses are too small to be critical), but expecting kickstarters to rely on that is adding more risks upon the mountain of risks that already exist in the business model itself.
On Kickstarter specifically, as of now Kickstarter could start processing money on its own, for instance directly exposing its bank account and have people wire in money. Or send cash in the mail. Or get physical goods sent to them that they further sell on their own. The crazy schemes would be infinite.
But the very point of Kickstarter is a secure and low friction way to pool money. Moving to crypto, the equivalent would be to have a major trusted processor take people's pledge, validate them, but keep them around until the kickstarter actually succeeds . We'd want that processor to be solid and have a long proven track record, otherwise trusting them with our crypto would be crazy. There probably won't be dozens of them, and with time they'll consolidate into perhaps 3 or 4. Or 2. And they might as well be named VCard and Masterisa.