In my opinion we are around 1995/1996 in terms of Bitcoin adoption relative to the Internet.

The Etfs (yes I know they are not self-custody but they are for institutions) are the equivalent to Windows 1995. And lightning is the rough... equivalent to the transition between Dial-Up modems and Cable Modems and Fiber of the late 1990s.

In the mid 1990s the internet was just starting to become for the public... and most people rarely if ever used it. I am optimistic and hopeful that Bitcoin follows a similar trajectory over the next 10-15 years.