First of all, cryptocurrencies lack a wider distribution in everyday life.
This is not surprising because a certain number of applications in real life has a small number of cryptocurrencies, which causes difficulties for ordinary people in their application and interaction with them.
In addition, the duration of transactions, market volatility, the complexity of using certain types of cryptocurrency wallets, at the moment, complicates the use of cryptocurrency as a universal means of payment.
But we are developing, blockchains continue to improve, accelerate, I won’t be surprised that after half a year or even a year we will see the implementation of projects that fully meet the criteria of digital currency. Fast, reliable, safe.

The Chinese government is very tricky, I think that we are now seeing manipulation by China regarding cryptocurrencies.
Which is that supposedly distancing itself from the cryptocurrency and in particular from bitcoin in the future, China will become, if not already, a country that will have a very strong influence on the cryptocurrency market due to the fact that most of the bitcoins will be in the hands of the Chinese. But this is only assumption.
You need to understand that there is another scenario. For example, China is a very centralized country with fingerprints, biometrics and cameras on every corner. The Chinese government is not beneficial for people to use cryptocurrency which to some extent weakens control over the population.

To admit that you wrote seems to me rather superficial reflections on the Mellinales.
The world is developing very fast. Now we have computer technology that allows us to have fun, learn how to spend time and do whatever we want.
The fact that children spend a lot of time playing video games, as research shows, will lead to the fact that at least such a child will have a quick reaction and more or less adequate decision-making mechanisms.
As for the lack of savings, I do not see the difference between the current generation or the generation 10 or 20 years ago, all in principle at the same level.
We are rather the opposite, because now there is free access to information, we are able to learn what our ancestors could not learn, for example, financial literacy.

Under your statement, you can draw a line and write one word "experience".
Due to the lack of experience in such a young market as a cryptocurrency, we understand our mistakes post factum, we only recognize them after a lapse of time.
More than once I came across the mistake of greed, buying a coin in the midst of its growth and then losing everything, fearing to fix the losses due to my greed and fear.
Thus, for one price pump, I fell into the trap of greed and the trap of fear. Fear of loss. All this for one simple reason - lack of knowledge.

The problem with fully Electronic Banks is that the digital signs in them must be carefully checked to ensure that money is provided by physical referents. 
Otherwise we can have an unlimited number of electronic signs, the additional issue of which will lead to wildly rising inflation.
Which in turn can lead to a strong depreciation of this money. In other words, such banks will need to be carefully regulated.

Of the altcoins you have listed, I am familiar only with СNN whose price has been extremely significant since the last sale and the distribution of tokens to bounty hunters.
At one time, this coin was heavily pumped, but then fell so much that I do not find it interesting for investing.
I can’t imagine how the coin will come out of the hole into which it climbed.

As an option. When asking a similar question to here you will not get the correct answer, you yourself must decide which asset will be more stable in the future than cryptocurrency and the stock market.
Maybe it's gold, or maybe real estate, do your own analysis based on available data.
I believe that the recession will be quite deep.

The point is not only in high commissions that require the exchange for listing coins of projects.
The fact is that not every project deserves a listing at least on a medium-sized exchange, so such projects go on weak exchanges and get what they deserve: poor liquidity and low prices both from investors and from bounty hunters. The stronger the project, the more demand for its idea, the more exchanges will want it.

In this case, it all depends not so much on how young the exchange is, but on how rich it is.
For example, the demon exchange has a good potential for their platform for placing projects to be able to show good results from the very first sale.
Of course, I do not presume to give predictions, but even Justin Sun himself mentioned this exchange on his Twitter after the listing of the Tron coin occurred on it.

Transactions in the Bitcoin network are quite expensive, I have not yet met a single exchange where the commission for withdrawing Bitcoin would be less than 0.005.
Personally, I exchange bitcoin for a coin with a lower commission for withdrawal and then change back in the final place.
Such a trick may not work if you withdraw Bitcoin to your Bitcoin wallet and not to the exchange, but nevertheless there is always the opportunity to swap coins through MEW.

First of all, the hope of profit makes people participate in bounty companies. As you can see, there are quite a lot of companies on the forum, both in payment in bitcoin and in payment in altcoins (new projects).
It is best, of course, to participate in bitcoin companies, but not everyone has the opportunity to get there. But one thing is for sure, there is still earnings in the Bounty, although it has become much more difficult than before.

It is possible that Bitcoin may well return to 20k, but your main question is when? Probably soon, take a look at the current price of Bitcoin, it is in the region of $ 8000,
the last time Bitcoin made a breakthrough from $ 3000 to $ 13000 at the peak, so next time if the starting point remains at $ 8000, we can easily see the mark of $ 22000…

Money rules the world - it's true. Values of private property and private accumulation.
To change the world, you first need to change the values of people, they must live for each other and not for themselves,
in this case the course will be dominated by the development of a society that does not know diseases, hunger, local crises associated with local culture, and so on.

Your post reflects all the realities of the crypto market and the bounty market. In turn, I confirm that the only worthwhile investment method at the sales stage can be called only IEO, but not on all exchanges.
At the expense of the bounty projects, I also agree, there are good ones, but they do not give quick profits, you have to wait at least a year.

Only one thing can prevent the bounty hunters from interacting with such projects - education and dissemination of information.
Of course, it’s not always possible to determine in advance what the project’s payments will be at the final stage, but it can be quite realistic for those who are very attentive and have a lot of experience in the bounty.
All we need after we began to doubt the project is to disseminate this information so that others can also analyze the project.

The answer is pretty simple. Seeing how an investor loses his money, they stop investing further.
Take the IEO as an example. This method of fundraising is still popular, albeit not as much as before, but investors are more willing to carry money into such projects, even if the projects are not the best.
Only potential earnings can attract investors today.

As practice shows, exchange tokens show themselves quite well in the cryptocurrency market.
Only on condition that the exchange is large and has at its disposal a platform for conducting IEO.
There are not many such exchanges, and now their exchange tokens have already grown significantly in price.
However, now in the general recession of the market you can buy coins of such exchanges as Binance, Huobi, Kucoin.

The idea itself only repeats the standard monetary system only on a large scale. Today we have banks and the money they issue. The libra is a bank inside the coin itself.
Everyone is afraid of verification, but this is not necessary if you are not going to use the libra. There are many other alternatives.
But I like the idea of Libra because it will give a greater distribution of crypto currencies.

It is very likely catalyst for such strong growth was the update. This often happens on the market in projects with good capitalization.
For example, the SOLVE project over the past 24 hours grew by 26% and entered the top 100, while the entire market, as you may have noticed, is red ..

https://coinmarketcap.com/currencies/solve/#charts

I think that with the transition of Ethereum 2.0, Hard Forks will be created that preserve the old network of Ethereum.
But even if this does not happen, I'm sure that the developers will be able to carry out a painless transfer of coins from the old system to the new one.
Even if this entails the problems of projects already created on the basis of Ethereum, this is the way that ether must go.
The cryptocurrency of today does not meet all the standards and quality that it should. The ether must move on.