Without much doubt, exchanges, or banks, such as San Francisco based Coinbase have onboarded more folk to cryptocurrencies than any other. 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. If P2P decentralized exchanges take over, it could change the world as we know it.