Let me respond:

• "not blockchain, so it already has a big minus in my mind" - Not IOTAs problem. Your bias.

• "This leads to the significant number of vulnerabilities in IOTA hash function." - Teoretical volnerabilities outside of real world. Bitcoin has those too.

• "danger of new critical vulnerabilities remains" - Like with any technology?

• "fundamentally unable to do generalized smart contracts" - Many currencies dont. Thats not a flaw.

• "brings more harm than benefit for the consumers" - Pls specify. You didnt mention any.