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Yup, two biggest obstacles right now are scaling and security/ease of use for the average user. I really do feel that a viable option will be easy to use smart contracts that can minimise losses that are deployed by the wallets themselves. That way we can retain decentralised ways of working. Although the average joe will want recovery options for when they lose their private keys.. Not sure how that can be implemented. I know this is one of the things EOS will be doing though but their solution is kinda centralised (correct me if i am wrong please)

EOS will be like ethereum using smart contracts probably along with the EOS token

Yeah but one of their selling points is they are building options for account recovery. And claimed scalability of over a million transactions a second. Exactly the sort of thing mainstream adoption requires. Of course these are huge promises to make so we will have to wait and see...

Exactly. We are nowhere near mass adoption.

honestly I don't see a world with only cryptos anytime soon

Banks will not let that happen anyway. Not within 10 to 20 years at least.

In the meantime that's why Ripple has a real use case working with banks. And it's a pretty big use case as well.

I doubt fiat will cease to exist during our lifetime. We are nowhere near mass adoption now but in 10-15 years crypto can become mainstream and a popular method of payments, but it will be along other fiat currencies. Some centralization will take place for sure at that point though.

Indeed. I'm with you on this.

same here