There won't be even close to a UTXO per person in the world

Making "easy" bitcoin custody tradeoffs instead of security is high-time preference

When you stretch this out, even LN is pushing it

"Most ppl's wallet" will likely be some bitcoin based ecash tokens

8 billion ppl, and growing. transacting everyday, with the lowest friction money known to man, hundreds of personal transactions a day, trillions of b2b micro transactions, billions of market trades, trillions of zaps...

Think longer term. A Sat will be worth much more than you think.

Keep it safe not "easy"