People don't care about centralized or decentralized and they're not really interested to know.

What matter for them is how user-friendly and easy is it to use. Since people mention Paypal here take a look at the company. It's so easy and convenient to use than even grand'pa can use it. That's why it's the most popular payment processor to use online.
Then, take a look at Visa (or any other network) it's easy to use, you don't even need your PIN with NFC, you can customize the settings and so on. People have a card in their pocket and can pay for everything. (almost)
For centuries we have adapted to new currency forms (and payment methods) according to the history's periods and how convenient it was to use at that time.

Bitcoin also has to compete with that, if people have to use a Linux Terminal to send a Tx and it takes 4 hrs nobody will adopt it. Currently, BTC cannot compete with Visa for sure but what I know is with the R&D you will never know what BTC can do in the future (let's say in 10 years from now, which will come fast)

A clear policy is a lot more than just asking your ID card and it is true that some exchanges are rather lenients about it. The European Union will regulate all this, through new directives concerning KYC/AML. This is something we already know, there have already been several reports to this during the last 2-3 years. The EU will try to regulate the industry the same as it does with the banking industry, don't worry about it. We're more or less prepared, even Bitcointalk requires KYC

The problem for companies is that there are no clear directives common to the whole European Union, which also makes the task more difficult, at least more so than for the directives of their country in which they're registered.
For people, we must, of course, follow our local laws but we become limited by European laws... once again...(like with many others industries btw).

This is a "high" regulatory risk but like many other exchanges, and just because this company generates large volumes it does not make it riskier than another. BTC-e is a good example to remember.
To take the case of Binance, anyway, it will be regulated at the highest level, similar to banks as I said, but all the others will have to follow as well.

@NeuroticFish
Binance works with fiat (EURO) via Binance Jersey

J'ai rien recu a ce sujet, et etant moi meme Tier 2 je peux toujours effectuer des transactions en fiat. A part le changement avec le 2FA j'ai rien vu d autre, tu ne te serai pas trompé? Si c'est le cas je pense que je vais pour ma part chercher une autre alternative

Tier 2*   
Deposit (fiat)      $2,000.00
Deposit (crypto)      No limit
Withdraw (fiat)      $2,000.00
Withdraw (crypto)      $5,000.00
Deposit (fiat)      $10,000.00
Deposit (crypto)      No limit
Withdraw (fiat)      $10,000.00
Withdraw (crypto)      $50,000.00

They aren't accepting cryptos, they're accepting to use the 3rd party (CoinBerry) so the folks can accept to pay their property tax in cryptos. That makes a huge difference.
I don't know if it's to answer the demand, but I don't think people are interested in using their coins to pay taxes, especially if it's a Bitcoin bought at $20,000. It's better to keep your coins and wait for the market to pick up.

ok, I am finally saying this week has not been bad for Bitcoin, it raised up by $100 which isn't bad itself. Doing this during a full month could make it at $4,500 by the end of April. I will be ok with this situation and I would too consider the "bearish road over" but I know there is still the risk to see Bitcoin going below the $3,700 line.

Without a lot of visitors and users base, you're not going to make huge money. That was profitable years back when Adsense could still be used to monetize the site. After this, the hype faded about faucets and with the lack of profitable alternatives people left. The faucets that are still here it's because they have a lot of visitors

To minimize the loss there is a solution that is to diversify. This can be in the form of buying 10 different coins, (or more to further minimize).
Or invest only a certain percentage of your portfolio in cryptos (let's say 25%) and the rest in other investments, whether it is gold, stocks option, funds... 25% in each investment is a lot safer than 100% on a shitcoin


A lot of people here think they're professional traders. One day they will apply to work in a bank, they will say on their CV that they traded $100 in ETH

It was the ideology from the earliest days, unfortunately, people who jumped on the crypto train after 2014 didn't do it for the sake of to have financial privacy, they did it as an investment and they're only interested in profits. That's also why the governments consider it as an investment and so regulate it.

Borrowing money may be needed to grow an economy and it's a valid argument if the money really exists. But that's not the case.
A clearer example would be between you and me, how can you lend me $1,000 if you don't have?. It's logic, isn't it? But with a scriptural money system, they invent money and charge interests, whether it is a state, a company, or a private individual.
Why some states are not even able to pay the interests. Why are our taxes increasing all the time? The real issue is debt and there is no solution to the current debt.

This is the third time an exchange is hacked in two and a half months

Cryptopia exchange hacked
Another hack : Dragonex

I hope that with time people will understand that it must be a reflex to say to themselves that you shouldn't hold your coins with an exchange platform (or the minimum), these are incidents that happen too often to expose themselves to risk.

There are people still using Xapo? 

There is no "best wallet" simply because the best is the one that fit your needs. As we have different needs or different preferences we may have each our best wallet. It's up to people to try depending on what they're looking. OP should have at least categorized the wallet types (web-based wallet, hardware, software, paper,...)

We got a lot of predictions but we need facts. I would be happy to see some positive signals to the market to give a boost to BTC value. Soon, soon,... we hear this every week for months. Investors won't come if they don't see an opportunity. I am not sure if this period is now over considering that we could easily go back below the $4,000. Once we hit the $4,5k ùaybe currently nope

"Gold is money, everything else is credit" J.P. Morgan

Between the crash of 1929 and 1932 people lost a lot, everything for some. Roosevelt forced the Americans to sell their gold, all that to recapitalize wall street. The Dollar has allowed the United States to live on credit.  2008 crisis, no need to explain how banks have been saved
The current system is designed as such as there is no other end than a collapse. At that moment people will realize the power of gold.

Central banks created private ICO and governments participated in airdrops bounty campaigns

That's still about 10% of countries considering Bitcoin as "illegal". But once Bitcoin is regulated it won't be considered as illegal by others, especially when there are millions $ to collect from the taxes and there is no effective way to control each citizen to see if there is a crypto use.

By using cryptocurrencies we are not supposed to be interested to have a relationship with the banking system. If this is the case at the moment it is simply because we have no other way than to convert it to fiats since we do not have enough merchants who accept this payment method but if it were possible we would gladly do without Visa and co with banks.

If the blockchain technology will be employed in finance it doesn't mean cryptocurrencies will. This person believing that banks are essential to cryptos is wrong because once the ecosystem is well developed we may very well be able to totally remove banks from our life (except of course when it comes to borrowing money, financial investments, or saving accounts).

See yourself, we are doing very well to grow for 10 years without banks, so... On the contrary, sometimes (or often) it is the banks that prevent us in the use of cryptos for example when they prohibit the purchase and sale of cryptocurrency or when they limit our bank accounts...

Good change, after all the time passed... After all, exchanges should be one of the first to use it. However to reply to someone: Usual traders don't care to use an exchange because it uses Segwit. And to be honest the Segwit adoption isn't increasing a lot (at least like what we were expecting) http://charts.woobull.com/bitcoin-segwit-adoption/ I would have thought that since then is much more generalized

Smart traders don't hold coins on exchanges, and there are a few that deal with 1 or 2 exchange only. It's easy to add a coin to a listing and get the money, but if the exchange is not able to perform a wallet maintenance or whatever in a timely manner then they should reduce to accept new coins.

I have always refused to use 2FA and I don't feel the need and I'm not actually interested.
I know it's just an extra security layer but I'm fine and I don't want anything extra. At my own risk, I know it. I don't want to bother to look at how it works, to use a google product and to waste my time searching how to use an alternative that may be not working for all websites.
Trully, that's good for Kraken but not for me, I may ever look at another alternative. Even banks don't use it.

Bittrex emailed its clients (not verified) in mass about the ID verification, and if I am correct it's not even the first time. Personally I will never send anything to it, especially since I stopped to use this exchange long ago now.
In your case a lawyer will cost you more that what it should, the only deal he will be able to do is to send your ID to unlock what is locked. Something you can do yourself online within minutes.

It's really easy. Once you downloaded and installed Ledger Live you will have to connect your device. Then you will also need to install the app for the altcoins you own ada-iota,etc. Pretty much like what we did (or still do) with the Chrome extension, just another user interface

See this page dedicated to Leger Live, there are a lot of "how to"
https://support.ledger.com/hc/en-us/categories/360000570033-Ledger-Live-desktop