Great article. i think as early adopter this is just the growing pains we will go through. i think a big problem, as you have mentioned in your post, is most are scared of change. in my opinion the blockchain seems like a double edged sword for the mainstream, they seem to acknowledge its potential, but, in doing so it would seem they would need to accept decentralized money, which bank are not to keen on. this is just how i feel.
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I think even banks are keen on adapting since they understand their own limitations. Mark my words. They won't be able to sustain another crash. On the next one, everyone is moving towards cryptos.