Like most things in life, it is what people make of it. I still think apps like Mutiny, Zeus, and Phoenix are user friendly enough that 80% of people could figure them out and use them if they want. 

Most people still want banks, so that’s what they will get, but there’s nothing preventing a pretty good mobile lightning experience for a decently large percentage of people.

Fedimint is very cool and products like that are probably what will get this to 1B somewhat independent users. Until then, I’m just happy when my friends pay me in Bitcoin over Cash App.