"new payment players [..] not allowed anywhere near its innermost workings"
That is a wise decision. Crypto exchanges are not banks and are not run by banking professionals. Anyone can set one up and, by the rich history of exchanges having been hacked, anybody does.
Even if I did want to give funny money a try, I would be at a loss to choose someone who is worth trusting because there aren't any. It would be like walking into a den of thieves and handing my money over to the guy who did not have an eye patch yet.