I agree with all of your points and all of them are spot on, for example like with regulation unable to eliminate the scammers completely, relying on regulation to solve this issue is delusional. There is no way we could fix this and the only way to reduce it is by doing research about everything we want to do.
and I experienced it by myself about number 4, I involved with a project that has its own product and can be considered as a quality product because they got a prize in some event before. But the project they started out did not work well, they are only focusing on what they are doing and do not really care about the investor and their community. Causing the community to panic and feel helpless, crypto is in a bad shape right now.
not only because of scammers but the project itself makes crypto looks so terribly bad.