Cryptocurrencies as they are won't work in the real world, especially with the focus on investment and earning rather than making a usable transaction system. A £1.50 transaction (on testnet at least) ends up over £2 with network fees. The fees are fine if it's thousands but even then, it's free with the banking system. I can send a penny or £50,000 and neither cost me anything. Where is the incentive to use bitcoin when it costs more, takes longer to confirm payments, and if I snap another phone in half I've lost everything? Obviously if I actually used bitcoin then I'd have backups and multiple devices, but for most people that's just extra work when the system they know and use has none of these issues.

If crypto is going to become a viable transaction system for the masses, it needs to change and not be it's own "currency" that needs exchanging with massive price volitility.