Fair enough, but I'm talking more about widespread usage by normal people. Most of them are going to want a single unified experience that can be guaranteed every time they use the service.

I think if the exchange can find a way to play more of a role as a middleman it might help (e.g., provide a consistent means of payment rather than the current quasi-barter system of Zelle, CashApp, Strike, etc., etc.), although then it ceases to be P2P.