We do not know what cryptos will look like in ten years
The entire idea of "money" is changing.

I bet bitcoin will be forgotten in about 50 years.
Because money will change that much.
Probably be tied to creation of goods.
Or become something that is really barter-aid.

And loans may turn inside out.
A young person needs a house?
Start a KickstarterStarterHouse and people will donate time and materials, and get you a house (because no one should be homeless, unless they are druggy that doesn't return anything to society... or their HIVE reputation is low)

And regulators? They haven't ever regulated anything fairly or honestly.
They should be gone.
I hope that peer-peer trading happens more automatically soon. (it is coming)