Mass adoption is still dream.
We have too much ¨old people¨ in this world, bank system is still best option for a lot of them.
Soon new generations will change it, it takes time.
In Crypto this time could be only a few years, but to have actual economic situation took many many years!
The main problem of not accepting cryptocurrency as a fixed asset is the lack of any guarantors to protect your money. Now stock exchangins hacking are common, after which the owners often just shrug. It is necessary to develop a mechanism for the cryptocurrency of the future, where will be mechanisms to prevent such cases.