These damn wallets need to be set up so I can send a set amount of fiat to people and it just automatically, using market rates, gives them the appropriate amount of crypto. And every store operator needs to be able to instantly convert their crypto into fiat, else they will be too scared of the downside risk. It's one thing to lose an investment its another to have your business crumble.

Obviously big companies have less to worry about, but for the little guys who have started accepting their favorite altcoins it can make or break them. I know NANO has quite a few small businesses that accept it as payment.