Has your vision for mass adoption changed over the years?

Okay, so I realize that many people on this sub have only been into crypto the last 1-3 years, I'd love your insights but this is really kind of geared towards those who were around for the 2017 bull run as I think our idea of mass adoption back then was much different than it is today.

My take is that back in 2017 we viewed mass adoption as having QR codes at the registers of coffee shops, pizza places and retail stores. Heck back in 2017 I'd argue there was actually more usage of crypto going on, the darknet markets were in full swing, those have kind of died off over the last few years. Also even people using crypto to buy stuff ie eCommerce was much more popular, in fairness it was mainly just due to the novelty of doing so but none the less more people were doing it.

Over the past few years I've kind of come to the realization crypto still isn't very user friendly to the average person or your mom. Also, they say that a technology has to be 10x better to knock off whatever the default technology is. When you think about credit cards, first off its whats currently in use ie its the default, it also oftentimes gives you free warranties, offers chargeback protection, offers you points or rewards, offers you credit and offers fraud protection. What does crypto offer? I'd argue something big ie a merchant processor can't tell a business you can't use our payment system for XYZ item even if its completely legal, it gets banks and processors out of the way as middlemen, that's cool for grey or black market items but for the guy or gal trying to buy a cup of coffee or a shirt at H&M it doesnt really matter.

I'd argue mass adoption isn't going to be people using crypto directly out and about at stores and restaurants or even for eCommerce. Crypto mass adoption is more likely to be things on the backend of banking and merchant processing to speed up transfers but where your average consumer doesn't even know its happening. I'd argue things like crypto cards it cryptodotcom card or other cards may be used to where the visa/mastercard network is actually being used, you still have all the protections and benefits of using a credit card but you're technically kinda sorta using crypto. I'd hope that mass adoption includes ways for people to access content and games and to reward creators and be kind of community focused, though so far we haven't seen a ton of widestream mainstream success with that.

I guess my point is in the last 5 years my view of what mass adoption could look like is very different than it was in say 2017, however things move so quickly with technology and in the crypto space things could change rapidly or an intersting new project could come out. Your thoughts?