There is much to think about in this post, @taskmaster4450! Some key take-aways that I pulled from this are about the generations growing up now. A) They are using technology naturally (not spending time learning it as we had to). B) they are set to inherit huge sums from the Boomers. C) They are far more likely to invest in tokens than things like real estate. These collectively seem to indicate that the way things will play out in the future is ripe for cryptocurrency to be much more mainstream. While Bitcoin will always be the leader, the thousands of other coins that form the "tail" have huge potential value. (Sorry, I'm over-simplifying what you've stated here!)

This means token distribution is going to spread to everyone. Since the likes of 7 billion people varies greatly, we are going to see a ton of diversity in the currencies used. Technology is also going to allow for instant conversion to whatever token is required, meaning it is of little importance what currency is in one's wallet.

That's exiting to think about. It's exhausting to try to guess what will and won't do well and worrisome to consider the amount of risk involved in investing. My take-away is that the risk is in not dabbling at all - of being fearful of the highs and lows to the extent that you don't build a diversified portfolio of crypto.