Money is a single use case - storing and transmitting value

Methods of monetary storage are not a single use case. People have vastly different needs for money under different circumstances. I assume you have a checking account, savings account, credit card, safe at your house, etc.

The money itself is winner take all, but the way you use it isn’t necessarily one solution fits all. I have a different wallet to send zaps than to receive my paychecks. I have hot wallets and I have cold storage. They are not mutually exclusive. The money itself is, however.

Look at products like what unchained offers. Very niche multisig wallets where they hold two keys and allow you to do inheritance planning. That’s always going to have some demand, but there will never be a day where everyone uses it. Same goes for lightning, liquid, custodial wallets, etc.