As with any venture, particularily tech ones "crossing the chasm" is the hard part.
Having an idea is not enough, even a flock of early adopters won't be enough.
Watching the split in BTcash and several other faux pas in the industry just hurts the industry as a whole.
To take on the exiting banking cartel is not an easy task, & they won't accept any form of defeat easily.
This great article highlights a few issues in the road to global currency decentralisation
https://www.coindesk.com/building-with-the-enemy-its-the-crypto-network-that-makes-us-strong