As someone with a wife, kids, and half of my retirement assets in crypto, crypto needs to get its TECH §hí7 together

I have been in deep for 4 years now, and I would say my patience and tolerance is high because I grasp the tech. But if we want wider adoption of any blockchain technology, especially Bitcoin, Cardano, Ethereum, or whatever, we need to solve problems that undermine our trustworthiness

Different wallets have had difficulties adopting and implementing new chain tech. For example, it took me hours to find the difference in balances, due to the distinction between transaction vs internal transaction. Guarda doesn't even support internal transactions being reported in their wallet. Any normie would be crapping their pants about "THEY STOLL MY MONNEY!" It isn't true, but man, it shouldn't be hard to provide interoperable solutions and guidance to wallets on how to implement. (Maybe this is just Guarda, but I see others saying similar for other wallets -- maybe Guarda is the only one behind now?)

Ethereum's staking and locking was OK. It was a good prospect and worth the investment at the time. I would do it again. But the delays, repeatedly, in getting access to staked ETH, makes most people sweat. The only people who can handle it are those who are well off. The rest? They shouldn't trust, because the underlying tech community has not earned the trust. They put it off so many times, normies would be freaking out about balances that they have no control over, effectively, when they were told that they should plan to have control sooner than they did. Stuff happens, yes, but years difference in plan vs outcome? In this fast paced tech world, that's eons!

Bitcoin is not a widespread transaction-level medium of exchange. No one I know thinks of Bitcoin as anything but a long-term investment, and the rest of the Bitcoiners are not going to use Bit' Cash or whatever. The same is true, but a lesser extent, with Ethereum. I know many tech geeks, but most people I know talk about Venmo, PayPal, or Zelle. This is embarrassing.

• I want our tech to make Mastercard, Visa unnecessary and less costly. Per-transaction fees are now effectively hidden to the customers. They are skimming dollars off every transaction, whether food, gas, entertainment, etc. This cost can be reduced, to cripple these companies.
• I want our tech to make Western Union, MoneyGram, NetSpend, etc. unnecessary and less costly. PayPal to some extent too. They have such a strong-hold in other countries, like Nigeria, Mexico, and UAE. Crypto obviates many of them.
• We need to ramp up the tech to directly strike at the vitals for these companies. Free/not-for-profit can do it, and this will save consumers billions.

We need better PR. Different exchanges are too centralized, and so we run into cases like FTX, and putting far too many eggs in one basket for when there are transaction squeezes. We have not been able to prevent an SBF case, because there's too much affinity for those types of people. We need to reduce our tolerance of this nonsense. I am not calling for regulation by the state, but YouTube, Twitter, Reddit, should give special mechanisms for shitcoin shilling and get rich quick scams.

As for me, I think that cross-chain transactions aiming for high interoperability and seamless transfer will be a necessity. So, it is possible the Graph (GRT) and others will be necessary. But what other things can we do that will attack these major competitors and bring dominance?

Any crypto block chain developers need an interoperable entity ontology built? I am happy to lend my services. I work in Basic Formal Ontology. (This has nothing to do with ONT, which I take to be of no significance except high SEO stats for using buzzwords like blockchain, crypto, ontology, etc. in the same sentence)