Thanks for your thoughts. I wonder how realistic this is. First of all, will regulators allow it to happen? Will established banks and networks "fold" DeFi into their offerings instead, as currently seems to be happening (Visa and MC, for example, are making big investments in the area, and the mega banks will not cede business lines quietly).
Second, the learning curve and self custody are huge issues as the dollar amounts and stakes get higher.
I'm really struggling with this because while I do believe that we can create "better" forms of money and financial networks on top of this technology, I'm not sure if it is just too complex and risky to ever actually be more than a fringe thing.