The end goal here seems to be a road to profitability aka serving you ads. So this is a great way to personalize those ads since they know all your online activity.
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Seen how big Binance Coin has become?
October 1999: "Critically, PayPal offers a $10 referral bonus for each new user, and $10 just for registering. This becomes their biggest driver of user growth, and also one of their biggest burns of money."
https://www.allencheng.com/the-paypal-wars-summary-pdf/
The main hurdle with crypto adoption is having a navy to protect the associated commerce and the sea lanes for companies/countries using some new currency. I realized that over 10 years ago. It's a gray area.
There are also privacy issues. This is a new concern for me. If someone can know about you, shouldn't you be able to know all about them? Transparency is fine, until it's not, then Privacy takes over. How are the serfs going to take out loans in 15 years to pull themselves out of poverty with all their parents' grand ideas, if they're even still alive?