You're not wrong, but there's a lot of things that are technically illegal in the USA that are pretty much accepted. For example, undocumented aliens powering the farms that grow our food, or service workers being tipped in cash and not being scrutinized too much as to what gets declared.

I think the best thing to do it to just keep going on all fronts - p2p payments, business payments, individual and institutional hodling, and things will work out in the end one way or another.