A few points. You're right about Ripple's position - putting it simply, the banks will have their own solution, while Stellar Lumens might turn into the Western Union of the future because it's so easy-going.

I think that nations will also have their own solutions , and that many people will (have to) go along with these... and that investment in crypto will be extremely regulated soon, and tech stolen.
Everybody who can afford it will have their own solutions. Blockchain !

As to Technical Analysis, tried lots of that lately and at time it's just beautiful - at others it's useless abracadabra.
Remember that it only tries to depict or foresee the normal human psychology at work, and that therefore the term"technical" may not be so ideal. It's nice to know a lot about it while staring at the charts - resistance levels do mostly work, and the most effective ones for some reason are round numbers. I certainly wouldn't go as far as Haejin does when he says that "news are what happens to confirm Elliott Waves after the fact," which isn't working so well in our momentary market situation... where it's typically "it's either up or down from here and my guess is that up is more likely."

So I'm frequently day-trading or in fiat these days, watching, and I prefer euros as fiat as the dollar isn't exactly climbing either.
My impression s that many people are now in fiat, and we may see better days soon as monthly pay days are coming up.

As I think I said once before, video quality doesn't concern me as long as I can understand what's being said, I rarely watch youtube videos fullscreen, and I have doubts the smartphone crowd ever will ;)