In terms of tech economics, I have been thinking this for years. Tech has been subsidized for so long, it makes user education difficult.
In a world where people are used to the friction, permanence, and laws of fiat payment transfer, makes this even more difficult. I'm new to transacting in bitcoin/ln (although been in and out since 2013) so I often forget there is a far better. private, secure, and more instant way to exchange money for services/goods.
As with all bubble pops, some people will get hurt, likely plenty of us as well, and I have empathy for that situation, but I have been wanting the tech VC bubble to pop at some point. I'm not a watch the world burn person.
I would like to comment more, but I want to examine my thoughts a bit better, I keep going down logical rabbit holes. Maybe Ill have to chat with you on SimpleX one of these days or something.