It can be legitimately difficult to use Bitcoin in practice because of restrictions and stigma against it and the deep entrenchment of fiat in all industries.

Another thing is that things will always go wrong in the world of self custody, and even more so when you're self custodying higher layers. Those edge cases take technical know-how to deal with that a lot of people don't have, and it'll take a long time for consumer products to deal with those in a secure way automatically. People live digital lives with none of the responsibility because cloud providers and OSs do everything for you. It'll be a long time before public consciousness can make the shift to self-reliance again.