The cost of digital encryption is high, and it is subject to exchange, national taxes, quantitative restrictions, and price fluctuations!
I think it's hard to change people's pay tubes in five years!
Many are quick to note the challenges of building a liquid and deep market in a decentralized fashion. Current centralized exchanges while currently minting a huge amount of profit are eager to see how their business will evolve. Market forces will drive all decentralized order books to share and interconnect but once the entire market is completely connected, exchanges become completely, well, exchangeable.