A centralized crypto exchange is as centralized as a bank. Both have the same security risks. What cannot get hacked in the same way are decentralized exchanges like RadarRelay
92 of the top 100 tokens and something like 40 of the top 100 crypto assets (tokens and coins), by market capitalization, are Ethereum-based tokens, so that is a substantial potential market.
That's okay as far as it goes but it's very limiting. Everything that really matters in life and nearly all possible investments are not on any blockchain. Even for crypto coins, the most important trades are for things not on a blockchain.
Thank you for your kind words. My goal was exactly that; to show that there is something beyond the irrational optimism, extreme cynicism, scams and bubble talks that dominate conversations.
As you mentioned, asset tokenization (securitization) is one of the biggest markets. If companies like Harbor achieve their vision, it would be huge.
Harbor is promising. Their paper and code is still light on the details, but I am rooting for them. There are some open questions around compliant secondary trading, real world enforcement etc - but very promising direction. Do you know other projects that are attempting real asset security tokens?
Once LN is established, I expect that this is going to be opaque for an end user. Example: Today, you don't need to specify http:// in order to use it in a browser.