If that is actually the case, the crypto portion is at least not that bad. The 10k limit on cash transactions is just not feasible in some industries though.

Monero is actually the least volatile crypto asset that is not specifically designed to be pegged to fiat.

I think instances need to be more focused. For example monero.town, very focused on Monero. If people are interested in other technology, sub to an instance focused on that, etc. but there is no reason to have all the communities on all the instances. I don’t see how mega instances that try to replace reddit are viable in the long term, especially if they start to defederate.