Uvita, Berlin and few other places are exceptions and always require very strong community and lots of effort. Its also very hard to replicate in a bigger cities.
Discussion
I think it’s going to take a long time. It’s slowly getting better and we’re moving in the right direction. Just gotta keep going. For now, it’s clear that HODLing is the main use case. Bitcoin backed loans have found product market fit and are what’s going to be the main use case that dominates this cycle.