It seems more like everyone played a role in these things or problems that we see arising. And yes, here in Africa, vast percentage of people are only based or believe in centralized way of getting funds to feed the family and won'took into the direction of crypto or even consider it worth their time. To be honest, a lot of people carelessly see crypto as a bag man thing. When they hear the word crypto, they quickly fixes their thoughts on bitcoin and with the price of bitcoin,......... Am sure you get the point because I have few friends who think in such manner.