The problem with Coinbase has been a very limited choice of cryptocurrencies (albeit the biggest ones). These new onramps (Fidelity, Bakkt etc) will give many more options and will look more like traditional investing platforms. Coinbase was just the beginning and of limited use to the average person who still doesn't understand crypto.

I think the links between the 'old financial system' and these new platforms being created by that same legacy financial system are part of the key for mass adoption. I like how you characterized it - they will 'FOMO straight into crypto.'

I too am disappointed in the Civil ICO not reaching their softcap. I think people didn't understand their model, but I believe it's needed. Hope they succeed eventually. Keep up the good work!