Nic Carter is simply dumb. And Bank of International Settlements is clever:

"Fragmentation means that [Bitcoin] cannot fulfil the social role of money. Ultimately, money is a coordination device that facilitates economic exchange. It can only do so if there are network effects: as more users use one type of money, it becomes more attractive for others to use it" (https://www.bis.org/publ/bisbull56.pdf)