Consumer debt is up. Property taxes will start rising, commensurate to higher housing values. Inflation will continue to disproportionately punish the working poor. Defaults on will rise. The government will continue to bail out and print.

A couple more countries will adopt Bitcoin as legal tender. ETFs will start things off and then we'll see some additional financial instruments including Bitcoin: maybe insurance etc.

I think the 2023 iteration of the lightning network will be unrecognizable in 2025.