Doesn't seem to have incentivized cryptocurrency enthusiasts away from being in that last category for years...

Crypto never did anything is the difference? The only people it did anything for were speculative investment types.

That said bitcoin is still at like $80k per bitcoin though... so while it's not a good investment IMO (and I don't really mess around with crypto except for the time I got drunk and bought doge and made money), but there are people out there still using it. There's a bitcoin ATM less than a mile from my house.