Honestly, I simply am waiting for mass adaptation and the people to begin publishing and discussing what they published here on Steem, that's next, all I can do is sound the same tune I've been singing ever since I came here "decentralization+transparency=censorship-proof".
Once you build it, they will come.
Crypto fails at the transparency part. I wonder if crypto based loans will ever succeed. If your loan changes value according to the coin value I doubt it.