Apart from scam artists in crypto space we have too many unprofessional developers that falsely act like they are really good in a particular field and try to build blockchain based projects but failed in the end,if there is really any way to make blockchain available to only professionals that are qualified it would have been a different story for crypto,even scammers wont have a chance,this is why i think we need REGULATIONS pretty bad.
I am an ardent supporter of regulation its obvious that the crypto space had been crowded with scams no one can hardly pinpoint a scam-free blockchain projects these days had it been every every new ICO entrant was regulated thus confidence will be reposed and sanity will be brought into the system however the issue of anonymity will have come into play invariably discouraging some investors due to KYC and identity related issues.
As far as transacting cryptos without a third party and anonymously the issue of regulating it might not see the light at the end of the day.