Here's my article on the split in the crypto industry due to regulatory pressure: "RegFi vs DarkFi: Tough Regulations Will Create A Split In The Crypto Industry," I delve into how the cryptocurrency sector is likely to divide into two distinct ecosystems.
Discussion
By the way, the YouTube video linked in your article says that it was taken down because the YouTube account hosting it had been terminated. I assume it was lunarpunk and the dark side of the cycle, but I'm not certain on that.
Yes
There is no reason to have regfi, users can just use cash app and regular banking systems.
Unless the "reg" in "regfi" means regular.