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What do you think is the biggest hurdle today for crypto to reach the next billion users: user experience (UX), regulation, or the lack of financial education?

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.css-1iqe90x{box-sizing:border-box;margin:0;min-width:0;color:#EAECEF;}What do you think is the biggest hurdle today for crypto to reach the next billion users: user experience (UX), regulation, or the lack of financial education?

What do you think is the biggest hurdle today for crypto to reach the next billion users: user experience (UX), regulation, or the lack of financial education?