The problem is that when something is not clearly defined in the country's law, the corrupt government officials can misuse that information and exploit the general people. I do not know about Indonesia, but here in my country, we too maybe in the grey area, meaning that the government does not openly accept it or deny it. Due to this, many people like the P2P traders are misusing this, and the bank accounts are getting frozen because of dealing with crypto payments.

It's better that the government should give a clear stance on crypto, so that people can use crypto easily (if it is allowed) or not use it at all (if it is illegal in the country).