For my personal use, crypto is in a great place. Fees, speeds, wallet UX, applications are perfectly fine for my usecases, and they'll keep getting better. However, I'd like to see some things significantly improved, in order of importance: 

- CRITICAL: Configurable withdrawal rate limiting in Safe & smart wallets and indeed, in all smart contracts, should be a standard. Without this, I significantly limit my usage of crypto 
- Custodial standards for smart wallets
- Stage 2+ decentralisation for L2s, complete overhaul for Tron (normies receive USDT on Tron)
- EUR stables w/ liquidity
- Better frontends & standards
- More competition & options for minimal hardware wallets
- Range order management for Uniswap V4
- Significantly less volatile, reliable, long-term sustainable and high liquidity SoVs (BTC and ETH are far too erratic)
- Integration into widely adopted payment networks, both global and domestic
- Some inaccessible assets tokenised as RWAs
- Farcaster with bustling non-crypto content/discussions

Totally agree—crypto works great for personal use, but for broader adoption and trust, critical stuff like withdrawal rate limiting, better custodial and decentralization standards, and solid EUR stables need serious upgrades