The way I see it, there are two approaches to go about creating a financial system. What we currently have is a "top down" system in which someone says "This is your money, now use it." And if we want to buy a loaf of bread, we're pretty much locked into that.

Cryptos are more like a "bottoms up" system. Sure, there's a "someone" who devises a framework, but beyond that, a currency is either adopted and thrives, or rejected and dies. The challenge, then, becomes to sell the idea that your currency is something secure and functional.

We don't need Wall Street, because that assumption harks back to the traditional idea that finance is "owned" by investors rather than users. Not that end users can't be investors, too.

One of the things I am finding increasingly appealing about Steem is the number of "retail" projects we have here... whether it's attempts to create an internal economic market (like @steembay) or something like @steemmonsters, which has the potential for widespread adoption outside Steemit.