Utility is an important factor without a doubt. However, the most useful apps at the wrong time results in failure. That is why I believe the publicity that cryptocurrencies are getting is crucial. People will not participate in what they fear and fear comes from not knowing. At least the media is focusing enough on bitcoin to make people aware. That will lower the barriers of entry a bit I think.

In the end, the convergence is going to all hit together...I guess towards the end of the first quarter.