We're still in the early days of Bitcoin, and the truth is IMO that all current solutions are too complex and anxiety-inducing for the average person. Almost every single person on this site is in the 99% percentile for technical savviness.
I see a couple of solutions arriving in the next 5 years, both of which will create a nice comfortable veneer over the complexity that exists today, and help transition Bitcoin to a medium of exchange for the next billion people.
  • We will have physical locations where real people act as a participant in multi-sig transactions (maybe some banks will start to provide these types of services soon)
  • Voice-driven LLMs will run locally on hardware wallets, and they'll smooth out every type of operation. Today's wallets are awesome – I have a Jade and love it – but for various reasons, they're not close to being usable for most people.