Is crypto now more than a speculative asset or just the same old thing based on hypes only because it seems like real life use case is far from crypto, we want it to happen for real but it's really not happening, what is stopping this from happening already.
Crypto is a general word and it is too broad to explain because there are hundreds of coins and projects in the cryptocurrency space and it all depends upon what all coins you have invested. There are speculative coins, then there are good projects and solid coins. When it comes to be use case majority of the online space now accepts multiple cryptocurrencies. Some states and countries legalizing BTCitcoin and these are not secret 
.