Yeah the tech is currently way too immature for widespread market adoption. Non-techies are not going to be able to deal with safe handling all the different passwords and private keys for each wallet.
There will have to be a whole lot of dumbing down of the UX without losing security and utility before cryptos can really be mainstream.
Then there's also the deflationary problem as I've blogged about recently.
https://steemit.com/cryptocurrency/@cryptojaxx/why-you-re-always-gonna-have-a-hard-time-spending-your-cryptos