The only people these days who care or know how the internet works are either retired or furries. Everyone else just uses it. Same thing will happen to bitcoin. Thinking your grandmother is going to manage seed phrases from her personal Faraday cage bunker is beyond delusional.

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The possibility that the abstraction layers of MoE can always be peeled away to reveal an SoV is the front line. Not everyone will be able to own a UTXO at once, but maybe the threat of exit is enough.
Yes, we're talking about the masses - people with demand to be their own self custodian will reap rewards. Increase in risk, increase in expected return.