When will the value proposition incentivizing mass end user adoption emerge?

Hello I am a HODLr for 6 years now. I understand the potential for the platform and decentralization but I am growing annoyed at the lack of any sort of killer app/use case/value proposition that will spur mass adoption. Without this I personally believe the technology doesn't have the capability to supplant existing, centralized, heavily entrenched, web 2.0 platforms or services. The top of mind that I am always thinking of are credit card payment systems. I do not forsee anythin built atop ethereum or level 2s disrupting the speed, effortless convenience and safety of existing marketplace solutions. anyway I'm increasingly disenfranchised with a technology that I feel should have made itself more useful by now, would love to hear your thoughts ty.