As we know there are 3 different guidelines that would make a baked good a 'Pas Habah B'kusnin'. the third guideline is, if the bread is hard and dry, for example; pretzels.
With this Shit"a, the companies have produced all sorts of crackers which for decades we make on them a Mezones, assuming that this falls into the category of hard and dry.
Now, years ago (not too many), people were not so scared of washing and bentching, and the main form of a meal was to wash for bread. Being so, it made a lot of sense that crackers should be Mezones since the primary form of eating crackers would be for a snack only. However today things have changes and more people have gotten the Bentchaphobia (a medical term describing fear of bentching...), so crackers has become at least as common of a meal than bread. How many of us actually wash at work for lunch? we rather eat a whole bunch of whole wheat crackers with tuna or cheese.
I don't think that a meal can be considered, only if eating a 5 course meal. Anything that you eat B'kvius, to satisfy yourself, should be considered a meal.
We see that the Ashkenazi'm recite Hamotzi on Matzah all year round, and the simple reason is because we eat it in place of bread. Now, if we eat the same Matzah just in bite size portions then the Bracha changes?! And if so, then why if I made bite size bread, no one would even think of making a Mezonos?
The way I understood this Shit"a in Shulchan Aruch is, that the fact that it's so hard and crispy makes it inappropriate for a meal, but rather eaten as a snack. this is really the underlying reason for all other Shit"as for Pas Habah Bkusnin, the fact that no one will smear tuna onto a chocolate danish is a great explanation to the reasoning behind Pas Habah Bkusnin (chocolate danishes are Mezones due to its sweet ingredients, or the chocolate filling baked together with it), I think this should be the guideline for the other Shit"as as well.
When answering this question please have in mind that the question is asked with today's life style specifically in mind.