I tend to think the same. One of the biggest points of issue for most of the exchanges (in america) is FDIC insurance, which is what clearly makes the few major exchanges that have them Gemini and Coinbase clear front runners now and into the future for as long as that remains a moat. International exchanges you'd like to see the same level of security, but who knows if they have them. Hacking / security / scamming clearly the biggest issue in I think everyone's mind.

They clearly have an interest in dealing with anti-money laundering efforts so user privacy is eventually going to be the real battleground in my eye. Probably not just in the US.

Taxes / mining / paying and being paid in crypto assets will be areas I am most interested in personally. I'm not surprised banks aren't interested in financing with credit cards, but from a financial risk standpoint, it is probably smart that banks are closing this off even though ISN'T THIS AMER'CA!!! (freedom)