The biggest hurdle holding this whole thing back is that NO ONE besides Coinbase has developed an easy to use app that allows people to purchase crypto using their debit cards or bank accounts and get in the trading game. Coinbase's customer base is MASSIVE and their platform sucks. But, they are the only ones doing this, that are licensed in NY state. 

So, listen up developers... Myself, and MANY other consumers want an easy to use, or better yet, all in one trading desk that allows consumers to buy crypto with their bank/bank cards, like Coinbase does. Except have more than 5 coins, of course... and not lock your money up for 16 days after you deposit it, like Coinbase does.