I’m totally guessing, but it looks like there’s a global conflict coming up and an even bigger totalitarian push with very unsettled times in the intervening years. I’m thinking 3 decades minimum. Easy self custody, and layer 2’s and 3’s have a long way to go before they are useable and secureable by people with limited tech skills. I think part of the reason we have banks is because a great majority of people aren’t equipped to handle the responsibility of being their own bank. The security part especially.