Thanks for taking the time to respond with your detailed and honest answers. I find your videos very interesting, even though I don't trade crypto.

Obviously we really aren't close to #2 or #3 yet,

Even if we were at that stage, why would they be superior to equivalent fiat services? I don't see the "value-add" of using crypto over fiat for those cases.

After I wrote my questions, I actually found a more eloquent critique of crypto use cases: https://hackernoon.com/ten-years-in-nobody-has-come-up-with-a-use-case-for-blockchain-ee98c180100