I don't believe that the base layer will be used for mass adoption. I do think that the ones that er using the base layer will have significant amounts of purchasing power that it warrants a proper security model such as multisig. Also, multisig configurations have come a long way and are now much easier to set-up, especially with collaborative custody models. I would rather have less people using Bitcoin and properly securing it then a lot staying with exchanges or getting lost due to security mismanagement. Let's see what the developers can bring us in the coming years/decades to improve custody solutions :).