Without a doubt, exchanges, or banks, such as San Francisco based Coinbase have onboarded more folk to cryptocurrencies than any other. Ease of use. Frictionless transactions. At the same time, hacks, flash crashes, government raids and lawsuits are ongoing issues for centralized crypto exchanges. Bank of America recently admitted to doctoring paperwork on over 16 million market orders from institutional clients, claiming to have immediately executed their orders while actually routing these orders to other firms before executing them. If P2P decentralized exchanges take over, it could change the world as we know it.