Since now smart money is in, they will make us need crypto currencies in the future.
So you can HODL! And you will have a nice life. Enjoy!!
I don't know if the mainstream adoption of bitcoin and cryptocurrencies is going to happen in just a few years that seems to soon but I agree on the principle, cryptocurrencies will become mainstream at some point, while there are many shady projects out there there are also many quality projects that cannot be simply ignored and bring value to the lives of the average person.
I agree, but I do believe, Banks are working strongly on their own crypto currencies, and it can become quicker Mainstream than we can think of. But I also believe it is not only crypto currencies but actually the underlaying block chain Technology which will the lives of the average Person.