Most of us are living with limited means. Bitcoin can be a fun way to imagine living life. However, I am effectively killing the dream idea that Bitcoin can be run as a full node with lightning for an average user. Here is why.
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Data caps. Yes, the blockchain is large, but more than once the data cap when running bitcoin types of apps suddenly decries the limitation. Pay to play is not acceptable--especially for developing countries.
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Lightening Channels. These things are way, way too expensive--especially if you aren't sure how much you are going to use said channel.
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Technical know-how/paranoia levels of trust . While bitcoin is awesome in the sense it can offer independence, one has to really earn it. Combine this with the data cap limitations, and one is having to literally earn it out in the fiat world more than likely. What's the point in that?
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Firewall Port blocking/traffic monitoring at the ISP level. Yeah, I know there is tor, but I'm not sure that doesn't draw more attention.
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Large Drives are needed that ain't always cheap. Solid state preferred.
In short, the blockchain stuff is great in theory, but is getting too large and unwieldy for an average user who does not have a lot of choice in ISP providers to use without incurring actual fiat costs quickly. Liberation is not going to occur while this is so. This means a person is more likely to have to return to the bank simply because the bank is not going to charge you ten dollars immediately for going in the door and tripping over some invisible usage cap. In terms of opening an account, one has to have a deposit to do that, and that money is then ready in theory to be spent. There are a thousand other issues, of course, but practically speaking one is going to do the thing that can be done over the thing that is going to cost extra with no immediate reward to the self for doing. If infrastructure were to change at an ISP level with no usage caps this would change the equation, although the energy required to download the blockchain is still a cost both in time and actual electricity.