What factors are holding back digital assets from going mainstream?

In my experience closely following the digital assets space, several core factors continuously emerge as obstacles to mainstream adoption. First, regulatory uncertainty remains a major hurdle. Many countries have yet to establish clear, comprehensive rules for digital assets, creating hesitation among institutional investors and retail users alike. Without established legal frameworks, people fear the risks of potential bans or stringent compliance costs. Secondly, technology usability and scalability issues hold back wider adoption. While blockchain technology underpins digital assets, many platforms suffer from slow transaction speeds and high fees during peak demand, discouraging everyday use for payments or savings. The user experience of wallets and exchanges also needs improvement to attract non-tech-savvy users. Moreover, security concerns significantly impact trust. Although blockchain is considered secure, hacks on exchanges and wallets continue to raise alarm. People worry about losing funds due to phishing, scams, or technical glitches. Another factor is the knowledge gap. The complexity of digital assets and their risks can be intimidating for newcomers. Many potential users find it difficult to understand how to safely buy, store, or use crypto products. Finally, market volatility makes digital assets less attractive as stable stores of value or mediums of exchange. Fluctuating prices lead people to treat digital assets more as speculative instruments than everyday money. From personal investment experiences, I have found that education initiatives, clearer regulations, and technological upgrades are essential to overcoming these challenges. As solutions progress, the path toward mainstream adoption of digital assets becomes more viable.