Wrong, we need more utility for ICN... They are already implementing utility for the fund managers side, but now they need to implement it also for the user side, because that is the side, that can boost the ICN price up. If anything can boost the price of ICN now, because it is taking them too long and are losing investor confidence in their coin.
Fiat gateway is super important for this project.
Now all we need is also huge marketing campaign to meet at the moon
Right. Utility of ICN is what will bring more value to ICN.
Earlier, they said that they will eventually introduce ICN as utility in different places. I hope that will be soon

Also, they have more ideas to implement. Like once they said that people will be able to participate in ICOs through Iconomi ( and there they will use it as utility token)