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I'd rate it at 7 because the underlying technology is improving over time and has growing use cases, but continuous attempts at regulation will also increase, which can hinder improvement and confidence substantially. The technological and economical disruptions this is causing is very risky to established institutions, and all attempts will be made by said institutions to keep in power. This may sound like crazy talk, but actions across multiple countries, even in the US, have been congruent with this analysis.
That is probably the biggest obstacle and issue that institutions have with crypto... They will try to centralize it as much as possible, to keep some kind of control... I hope that we will still have some options to stay decentralized and not fall into their tricks...
Absolutely, but there will always be some decentralized options out there. The largest barrier to using those right now is ease-of-use (and if I'm being frank, trust). Since it doesn't pay to design a very well-functioning decentralized exchange, there are almost none out there. Bisq is a rare example of one that actually works as intended, but it's still not too user-friendly and is limited in scope.
3 credits added for the liotes ranking