Cardano founder Charles Hoskinson says the next phase of cryptocurrency adoption will be driven less by faster blockchains and more by safety, governance and consumer protections. Ethereum 'Keeps Doing Things Wrong'In an interview with CoinDesk on July 23, Hoskinson, a co-founder of Ethereum before launching Cardano, was sharply critical of the network's governance model. Trending: Avoid the #1 Investing Mistake: How Your 'Safe' Holdings Could Be Costing You Big TimeCrypto Needs An Insurance LayerFollowing a recent bridge exploit involving Cardano-related infrastructure, Hoskinson said the industry's biggest missing component is insurance. He proposed optional insurance products for crypto wallets and cross-chain bridges, funded through premiums and backed by collateral pools. Hoskinson expects the next wave of crypto adoption to come from integrating blockchain with identity, privacy, insurance and real-world financial infrastructure rather than simply increasing transaction throughput.