The problem with Bitcoin is that so many people didn't get on the train.  So now they hope it will fail so they can board a new train -- Monero, Etherium, whatever.  And they go onto these forums concern trolling as if they are actually Bitcoin proponents.  But suck it up. There is no other train available to you -- the next train Bitcoin ramp will have exclusive membership and will actually be a rocketship (think Apple ipay) deployed simultaneously onto millions of POS, default installation in your phone, automatically connected with checking accounts for several major banks etc.