Totally correct but I argue they already have the problem of not holding keys as their homes get seized from them like in 2008.
The system is the problem, not your standard normal person watching sports and trying to enjoy life.
We will have the custody “banks” and everything.
Difference is big “banks” and “governments” WILL BE AUDITABLE ON CHAIN.
This makes it very easy for people like us to warn the normies which “banks” are trusted or not.
Besides, the public good services will be doing that as well.