should I remind you that you work with pipes for a living ?
anyway, some BitCoin ETF that was going to launch has been "suspended" by the SEC (or CFTC can't remember) for lack of "proper" financial underlying instrument
I think the biggest threats to blockchain is going to be simpler tech developed by Apple and Google to make micro-payments and micro-transfer extremely efficient and cheap
you don't really need blockchain tech to operate a secure and inexpensive transfer system, that was the original idea behind Paypal when it was created