First off glad your kid is getting better. Second, the largest problem preventing mainstream adoption is being able to transfer Fiat into crypto. That's the only real choke point. The second there is a decentralized fiat bank where people can deposit their paychecks into and use fiat and crypto with debit/credit cards that's when it's all over for banks. Bank of America, Chase, Wells Fargo, etc. I feel in 18 months they will have to make a decisive choice, either adopt blockchain technology or become fully anti-crypto. They have already lost plenty of customers that have fled to credit unions because right now that's the lesser of the two evils.