I suspect Monero is too privacy oriented to become a mainstream investment product like BTC. Tbh, I believe that, although it doesn't hurt you to hold it, any crypto currency only has actual fiat equivalence in a darknet market (elsewhere there is a nice substitute called cash/credit), which is the sole market that demands privacy by nature. All other markets solely use BTC as an investment class and explicitly require that you forgo your privacy in some form or the other. Monero's focus on the former might make it bitter-tasting for the regulators of the latter.