What is the problem with NEAR Protocol?

Could you elaborate on the challenges or issues that the NEAR Protocol currently faces? I'm curious to understand its limitations, whether it's in terms of scalability, security, adoption rates, or any other aspects that might hinder its widespread usage and acceptance in the cryptocurrency and finance industries. I'm also interested in knowing if there are any specific challenges that developers or users might encounter when interacting with the protocol, and what measures are being taken to address these issues.