I definitely think the issues with transactions are the top issue for many coins now that security is relatively standardized across most of the cryptos in circulations. Luckily, it is getting tons of attention from multiple development teams.
Unfortunately, banks like Bank of America are submitting patents for crypto exchanges faster than the fragmented and wannabe-anarchist crypto community, AND the banks have existing relationships with merchants to help drive adoption.
There will be a few coins that survive as truly decentralized but their use will be limited to a very select group of anarchists or highly tech savvy. Bitcoin and Ethereum, they will most likely "sell out".... but hey, at least ypu bought before a BTC was worth 100k, right?
Ha This is a very pragmatic view... I´m just not sure, if this will ever happen, since the banking system does not necessarily earn more if the BTC is worth 100k. The system is build in a way, that whatever the price of this coin is, they will earn anyway...
I´m not a crypto anarchist, but I do believe, that everyone has the right to at least know what they are getting into. If it´s your decision to do so after that anyway, it´s fine with me.