Seems to me that one roadblock to mass adoption globally is the lack of decent wallets for XLM. Most users globally will be mobile users.
iOS doesn't appear to have any XLM wallets in the app store.
User reviews of lobstr are not good:
https://www.reddit.com/r/Stellar/comments/6z0i8b/lobstr_app_is_a_scam/
The android wallet apps seem to still be quite buggy. Stargazer seems to have problem with sending, and Centarus won't scan qr codes (gives an error that the camera has a problem). Starpay users keep reporting their money has vanished which is suspect. For some reason it requires logging in with an email address. Most decent crypto wallets use a pin # instead of email login.
Online wallets are just asking for trouble, as it is unwise to paste private keys into live websites. Too many risks with phishing scams and hacking. For example Black wallet was just recently hacked.
Also users are likely to get scammed/hacked just using a mobile QR scanner app to read a paper wallet secret key in order to put the private key into https://www.stellar.org/account-viewer/
Hopefully soon some of these issues will be ironed out as XLM has such strong potential for mass adoption.
