The fundamental issue to solve for consumer crypto is consumer demand. 

Demand defined as a combination of both time spent and spend. 

Spend is downstream of time spent. 

Time spent is downstream of interesting.

how much time do users spend on the Uber app or the Amazon app?

maybe what we're missing is real world utility

Most real world consumer use cases are practically solved. Doesn’t pass the following test:

Solving public goods value capture. | /impact | book.abundance.id

Uber's take rate is about 28% (some estate as high as 40% at times). 50-60% of this is driver insurance & other driver services (not much room to improve here)

the other 40-50% (profit, payment processing, etc) crypto + social can protocolize or eliminate 

do you think drivers & riders prefer to pay a 15% surcharge to a centralized corp, or have much cheaper rides, complete transparency in where the money goes, and have drivers who are owners?

I'd say the latter is significantly better than the existing solution

the key to all this is a social layer where user reputation can be established credibly & transparently (as an alternative to the current centralized model)

you're building this

Most real world consumer use cases are practically solved. Doesn’t pass the following test:

https://danromero.org/significantly-worse-or-non-existent.html