~
Which one of these would you say op falls into:
its just a matter of time.humanity used many objects for trade even sea shells and they all took some time because people dont like to changes.especially if its about the money we all want to keep it safe.banks did that for a long time but its time to change now.nothing can resist against revolution.
Fits perfectly to the
Level 0-value Analyzer 
You have a bigger overview of the spam and longer experience generated for years here, I guess you can come up with more categories, but those are the main ones I face every day.