I think people should be careful of just discrediting anything somebody from a traditional investment company or bank has to say about cryptocurrencies.
Yes, there is potential bias but they do have valid points sometimes.
What happens,most of the time,is that after somebody from one of these companies issues a statement the crypto fanboys (and I mean fanboys in every single sense of the word...die hard extremists even) come in, read the headline, shout dinosaur and claim bias - all without reading the article.
The truth hurts and avoiding it doesn't make it go away. New cryptocurrencies keep on springing up, prices get inflated because of demand and somebody is actually cashing the real money being spent on it.
Without mainstream adoption where BTC or any of these coins are used for actual transactions what's its purpose except to serve as digital gold? And why would those investing in it want it to be used as a real currency? HODL ya'll!
So let's assume, for a second, "mainstream" never happens. You sit with you R10 million worth of BTC, ready to retire and buy a house. The hype is long gone and nobody is buying your BTC because everybody interested in BTC only has BTC to trade with.
A very extreme view, but maybe an extreme view is something the die hard extremists fanboys need.