Your last statement is interesting... why do you think that's the case? What's your speculation on the timeline for this happening? I said in another comment that I hope I live long enough to see it, because I genuinely have no idea how the timeline might play out. Things seem to be changing so rapidly now.
Discussion
I’m totally guessing, but it looks like there’s a global conflict coming up and an even bigger totalitarian push with very unsettled times in the intervening years. I’m thinking 3 decades minimum. Easy self custody, and layer 2’s and 3’s have a long way to go before they are useable and secureable by people with limited tech skills. I think part of the reason we have banks is because a great majority of people aren’t equipped to handle the responsibility of being their own bank. The security part especially.
This all makes perfect sense to me and I agree with you on how it seems apparent that some kind of large conflict is looming.
And yes, absolutely, we're nowhere close to having the average non-tech savvy person being able to have easy, secure access to self custody and use it in a way that they don't have to first dedicate time and focused effort to studying and understanding it.