The failure of crypto communities to shunt their coins from the speculative-currency phase to the transactional-volume phase has been a tragedy
To be fair, it's because crypto in general is:
1. Almost impossible to understand and use for anyone that isn't a techie;
2. Accepted basically nowhere without cumbersome third party intervention;
3. Too volatile to be used as a store of value;
4. Uninsured against theft or loss;
5. Not sufficiently superior to established systems at anything other than a) instantaneous international transfer (not useful in 99.9% of transactions to everyday folk), b) low-fee transfer of huge volumes of wealth (not useful to 99.9% of everyday folk; also see point 3 above).Right now crypto is a very poorly implemented solution looking for a problem to solve for everyday people. Until that happens (if ever) it will remain a niche speculative interest.
#5 is partially true. It is only a matter of time before using DNotes is sufficiently superior to established systems in many ways. Here is just one example. As we have discussed in the past micro transactions are nearly impossible using fiat. Anything under $1 generally isn't worth selling in fiat. You could however accept DNotes and accept payment for hundreds of transactions and if needed convert all of your DNotes to fiat after you have accumulated a substantial amount and pay one smaller conversion fee. That may not sound like a big deal, but think of how many songs are purchased and downloaded daily, and how many more digital products would be available to purchase if it made sense to sell them for under a dollar. Granted it is not the easiest thing to do right now, but it won't take much to come up with an easy to use system.