I would say a realist that’s in touch with the average person, but sure. Local banks and credit unions can offer the product, but the demand will still be a rounding error. Which is fine btw.

Almost no one uses LN even though Cash App and Strike make it extremely easy. Change happens a lot slower than we would want. How many ES citizens really use Bitcoin? Probably not many, and it’s been like 4 years since the legal tender thing.