I had that very same perspective. And then I started transferring money using stellar lumens. Put simply, it's what I expected Bitcoin to be. I actually said "That's cool" to an empty room after witnessing a near instant transfer and negligible fees. There is still hope.
RE: Is the Bitcoin and Stock Market Crash Related?
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Is the Bitcoin and Stock Market Crash Related?
Stellar is great. We'll see whether it works out or not but it's so blazingly fast. If anyone believes in Ripple, Stellar is much superior: half the market cap, better team, and lower reserve amount. And this is from a guy who got 1000 XRP from the 2014 airdrop (and flipped it for a bottle of Laguvulin 16) shortly after.
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Nano also does a beautiful job of it. Definitely the cleanest "blockchain for currency" implementation I've seen. Shame about the Bitgrail debacle going on :/
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