A nice little read explaining ICOs. I believe the key to ICOs becoming succesful is if the demand for a service being decentralized is there, or if you can convince people the demand is there.
Having everything use crypto assets is not necessarily good in and of itself. Why use a product that is infinitely more inconvenient and slower than what we have today, if decentralization isn't important, after all?
This article covers it perfectly: https://blog.chain.com/a-letter-to-jamie-dimon-de89d417cb80
I say it carefully, we are at the beginning of a new currency revision, which should be a little bit cautious, should be clear, but you should also keep your eyes and ears open and not close, then you will not be pulled over the table.