Yeah you are right it's just the beginning :) Many cryptos will drop and not be around after few years but the one's who will stay they will definitely Rise up High in Price if they have Good and Active team that deliver everything whats promised :)
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Crypto is really hard. People in my country not compleately understand debit and credit cards, I think, what we can guess about crypto? But cryptography has own problems. Certificates for example.
Not every people have spare money to invest. Average man lives from wage to wage.