The small user base is definitely an issue, and I agree, we aren’t getting a Bitcoin standard anytime soon. Although, fiat is exponentially exploding. It may be sooner than we think. The problem with something like Strike is that any fiat you have in there is likely just pre-BTC waiting to be DCA’d or dry powder for a dip. Until you can pay your mortgage, utilities, car insurance, etc from there, it just won’t be utilized as a checking account. Unfortunately I don’t have a great answer, and that is actually part of my floated hypothesis; that nothing will matter until it’s accepted at a large majority of places as the only money they will take.