What comes in my mind now... First, the exchanges have to be eliminated from people's lives, no wallets on exchanges! It is too complicated for the regular guy. But, before first :), people have to be educated! Too many listen to TV, other media, or to politicians regarding bitcoin! And they get wrong information. Also, it has to be a killer app to help them pay with a click or with a card. Not going inside and have too many setups, like in Binance app, but just fill it and then use it for payments!