Wouldn’t a stable coin provide most if not all the anwers?

P2P: Done

Near instant: Done

Decentralized: Done with vatiations on theme

Price Stability: Depends on the peg

Issuer Risk: Not solved but can be mitigates by custodial rules

Retail Adoption: Will be easier but still a challenge

Network Security: Not exactly solved unless enough hashrate and/or other tech aspects

Still this seems a good alternative to the miner intensive and highly volatile mainstream coins. What do you think?