The crypto wave sweeping through the early 2020s mirrors what happened when credit cards first emerged during the 1990s. Both faced skepticism from the mainstream, struggled with infrastructure adoption, and required a shift in how people thought about money and transactions. Back then, merchants hesitated to accept plastic, consumers worried about security, and the entire ecosystem had to build trust from scratch. Fast-forward to today—blockchain adoption faces similar hurdles. Regulatory uncertainty, technical complexity, and the learning curve keep mainstream users on the sidelines. Yet just like credit cards eventually became indispensable, the fundamentals suggest crypto is following a comparable trajectory. The comparison isn't perfect, but the pattern holds: transformative financial tools don't go mainstream overnight. They need time, infrastructure maturation, and real-world use cases that make the value undeniable.