Let me just pick up here and talk a bit about why enterprise is currently winning the race for blockchain usability (and I'm not talking banking). First, @matthew_d_green is right on one point: without the "Satoshi effect", enterprise would never gotten rolling.
It took them until 2016 (banking probably 2014) to even pay attention, and after a brief hype phase the first bachelor thesis feasibility studies started rolling in, with mostly ambiguous/negative conclusions.
Now a big ERP software house or ACC/IT consultant sits on something like a couple hundred very detailed B2B use cases with the same vexing problem: crucial transactional data doesn't sit where it should to enable mutual exchange.
Over the last years, they have mostly gone into stealth mode (IBM excluded) and have built up tech elimination funnels. That's something that typically takes 3-5 years by itself. All the detritus we see, "another blockchain PoC failed" is simply the cast-off of this funnel.
There is still a palpable chance that the funnel will come up empty-handed, but enterprise has a big advantage over banking in that it can pull from a wide variety of use cases. The hard part is to build the funnel that you can quickly assign {now, later, never} verdicts.
The next smart move is that enterprise has pushed the fin transfer side off by at least three years. There is a clear understanding that these two sides have to come together eventually, but it is much smarter to watch the massive toxic waste of ideological stupidity shake out.
The third advantage is that enterprise is not ideologically attached to any platform, or even to any blockchain architecture. As I mentioned already, 90% of implementation could turn out to be mockchains, which might rile up the purist, but purists be purists at their own peril.
Enterprise also sits on a thousands of domain experts it can draw on, it has one and only one interest: efficiency, and doesn't suffer from world-peace-mania. In addition, nobody in enterprise is interested in dealing with anonymous counterparties. Data is more important.
So while open blockchains is fighting its ideological trench wars and wildly flopping from one use case to the next without any clear mechanism to learn from all the blatant mistakes, someone has quietly gotten their act together and put their ducks in a row.
