I really like the idea of the CRUX COIN project. Especially to issue electronic debit cards. This requires a partnership of banks, manufacturers and retailers ... Are you prepared?
At this stage of development of cryptocurrency, I think the problem is that the public sector and the banking sector are not ready to accept cryptocurrency and legitimize them. As soon as this happens cryptocurrency will receive a new stage of its development!
The problem is rather that people are not ready and governments of many countries refuse to cooperate . After all, they are afraid that the cryptocurrency market can get out of control.