I think the most important thing here would be choice and accessibility. My hope would be nodes normalized as part of your home network infrastructure - one in every router. The default would be self custody because exchanges are obsolete... you simply earn and live on Bitcoin. Custody is only ever needed if you require collateral for a loan - and even then it would be multisig with an impartial 3rd party for disputes. Education would put a focus on the fiat mistakes of the past and virtues of low time preference to build for yourself, your children, and generations to come.