Why do you think the banking, consumer products, and most government agencies had shunned BTC and other forms of mainstream cryptocurrency by not fully adopting it like traditional financial instruments? How do you believe banking institutions will solve the race to come up with their own cryptocurrency using the frameworks of ETH, XRP, or other tangible technologies with functions such as XLN?

Do you think mainstream players such as JPMC, BoA, and even Facebook will be successful at their own cryptocurrency adoption plans? Please explore these questions this week.

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I need this be 2-3 paragraphs and plagiarism free.