Fedimint will be enough for the planet. Tons of small, unregulated federations < 1000 users will be reasonable secure and way more distributed than the current banking system. 

Normal users just want do download an app and start transacting, and this is a great solution without capturing them in a single regulated custodian. 

 Thanks.

I'm going to have to study Fedimint  (https://fedimint.org/) and Cashu (https://wallet.cashu.me/). 

 Here is a great introduction to the technical side of chaumian ecash by @waxwing

https://www.youtube.com/watch?v=VwMzNE1D3so