At this time, it is primarily focused upon speculation and market movements. This will change as deeper levels of innovation start to surface.

I think this is where a lot of people (those I know who are not 'yet' on the blockchain) get stuck. It's hard to jump into something when the entire space is all about 'speculation and market movements'. But once the blockchain extends beyond cryptocurrency and into more concrete projects it will be easier for the rest of the world to see its true power and everything else it represents (true ownership, decentralization, tokenization of everything, etc.).

But then again, you follow it up with this statement:

People are able to safely move up the risk curve since they can afford to have that money go down the toilet.

Now that you've mentioned it, I am just realizing how much less risk-averse I have become since being exposed to cryptocurrency.