What are the challenges that you see when using crypto?
Because it seems to me that we are still in the initial phase of development and the road is not that short. In my opinion, there are challenges in the field of centralization and data control. And also regarding legal adoption.
What is UNWSF? - NSFW = "not safe for work" or SFW = "Safe for Work" ...so what is UNWSF?
Also edit your original first post and give a detailed explanation on what you are trying to accomplish with this discussion. I will answer one of the questions you posted, namely "What are the challenges that you see when using crypto?" :
1. Merchant adoption of Crypto currencies are still limited.
2. Price volatility is a problem for merchant adoption.
3. Crypto currency adoption is still small, so there are not enough motivation for merchants to adopt it.
4. A lot of these Crypto Currencies are scam coins (Pump&Dump / Ponzi schemes)
5. The need for people to link Fiat value to Crypto currency value and subsequently having to convert to and from Fiat currencies.
6. Adoption is not aggressively marketed by anyone, but more based on word of mouth.
7. Political push back (Governments are protecting their Fiat currencies)
These are just some of the challenges that are causing problems with the global use of Crypto currencies.