Obviously there is validity in all your points, but for me point 3 is the main hurdle that needs to be overcome before crypto can go mainstream.

Crypto is currently far too complicated for the average person who has not much experience.

There’s too many things which can (and do) go wrong, and for someone new this is quite daunting, and very scary for them when it come to putting “real” money into something they don’t fully understand.

People need to feel secure. People need to feel at ease, and have faith that their money / funds / tokens are safe.

For those who’ve been around crypto a couple of years, then yeah we all know how it works. We understand.

But we are a small minority in the worlds population.