I totally agree that the wallet needs work and a new UI to be more user friendly and other than the webwallet Rai need a mobile wallet, it also need a complete re-branding (which is actually in progress) and it needs a new exchanges too (It will be on Binance soon).

But what is important to understand is that those things are VERY minor things, they will come very fast, I am ready to bet that XRB will have a shiny desktop wallet and a mobile wallet by the end of the year. It is also important to understand also that it is at a very early adoption stage (just a few weeks ago its market cap was bellow 1 billion)... partnerships will come.