The big ugly problem facing the crypto space:

Will any of the products and protocols funded by speculation use cases have any use at all for mainstream use cases?

Do Curve or Aave or DAI matter for people who aren’t using the blockchain like an underregulated casino?

I think the problem is most people still think of crypto as a finance industry when it’s just a tech industry. 

Finance is a set of activities - the medium on which we do it is just a tool. Making a token or a stock (.com bubble) doesn’t magically create value - it’s just information.

In the future. . .

. . .crypto will live up to it’s “read write own” web3 values and be used primarily for social and other general info sharing where open standards and digital ownership (esp. for AI) will be key to online identity and communication. 

Finance will be used throughout those things, but just as one component of it.