Nope and neither does Bitcoin 👍
What's the benefit for the masses to adopt Bitcoin, Monero, or Lightning over tradfi apps if most don't care about self custody and permissionless p2p transactions anyway?
Payment apps are feeless, faster, convenient, more people/businesses use and accept them, and they don't have a criminal stigma attached to them.
They also have central exchanges and ETFs that give them price exposure to Bitcoin if they want that.
🤷♂️