Polkadot/Kusama are amazing projects, but not designed to be used primarily as p2p currencies. As much as I have some issues / doubts with Cardano, I still think it's the most viable PoS cryptocurrency for mass adoption right now. ETH2 maybe also, whenever the transition actually happens.

except the fact they are literally centrally premined scams and not permissionless since you can't get stake without someone choosing for literally no forced reason to give you access

there's a reason ethereum has always been considered a scam by every developer in the space that wasn't a premine scammer