i think this argument is overused, we are light years away from every person on earth having his/her own utxo, and we'll probably never come to that point. people will want to use variety of solutions and have different trust models, or using fedimints or some other solution we haven't yet came up with. Everyone being responsible for their own life savings on a usb stick (hw wallet) is not the most successful way to convince people that this is the future