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RE: MaaS - Money as a Service -Cryptocurrency
Interesting point of view regarding the "New Stock Market" I can see that as well.
I do think there is a case for peer to peer transfer of assets without requirements of banking or carrying around cash. But heck we can have both.
Peer to peer is free already through services like venmo which is highly popular. You can pay a small fee and have it deposited in your bank instantly. Why would anyone use a crypto to do the same thing? Especially if the value will never stabilize?
So I don't think there is any value in a large scale peer to peer setup. Instead the coins would act as stock value in a company. That's why I think steem will be successful once the proper nodes are setup to allow app development (just like how Facebook become a giant with their api)