Covid sucked for small business - a boon for the big.
Where I think the value of crypto comes in is not as a currency, but a mechanism to reimagine value as a whole and ownership. I think that as it starts to hit its stride, more businesses will be built as crypto first and capture as well as generate new values. In this way, self-preserving powers can have their power lessened, as to be part of the decentralized economy, they will have to give up absolute control and find a more middling path, than outright maximization.
The dips and bears are great at this point, Stability will come and people will say how they missed their opportunity when it was there. It is some time off though :)