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.
Taking the other side:
1. Not really true, just appears that way. No more complicated than a cell phone, computer or even an ATM machine. Just different.
2. This one is true now but, won't be for long. As the learning curve begins to flatten, the acceptance will rise.
3. Bitcoin has been fairly stable as of late and will continue to settle as the user base grows. DNotes is far more stable than 90% of the coins out there including Bitcoin. Its like a heat sink, the larger the mass, the slower the change.
4. Hummm... Just like cash.
5. I could write a book on this one but let me just say, established systems are 60 years old and struggling to accomplish in a day what crypto can do in a few minutes or seconds in some cases. I would argue it's not the technology of crypro but the cumbersome nature of trying to interface it with those 60 year old systems. There needs to be a "sea change" in the way money is used and transferred. Don't worry, it's coming...