I think you are right on with many of your points.

A few thoughts - Yes, there is tremendous innovation, but it is mostly experimental right now. The real problem solving comes a little later. I think we're just at the beginning of some remarkable societal changes.

Western societies no longer represent the majority of the world's wealth. And we are slow to adopt cryptocurrencies because most of us don't need them (yet). When problems begin to be solved for the majority of the world's people, mass adoption of technological changes (including cryptocurrencies) will overwhelm us all and precipitate deep structural changes.

Looking forward to a discussion on UBI (Universal Basic Income) and how you feel cryptocurrencies may fit into that. Great job.