Crypto failed at establishing itself as a replacement for traditional financial tools.
Then again the biggest impact on the price of BTC have the largest whales. And they like the current position of the fintech. They made big bucks on it, why would the usher a change? Change is bad for them...
There are lots of small fish in the sea, and only a few whales, but fish have a herd mentality. And the whales will always end up feeding upon them. Facts.
Until the richest people/institutions decide that they want BTC, the price will skyrocket. (don't hold your breath).