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What do you think ownership of bitcoin will look like in 3 years for an average joe?
Will Joe learn to use multisig hardware devices? bury plates in the back yard? communal custody like Galoy? Shamir Secret Sharing like SLIP-39?
most will be using custodial solutions, out of those that don't most will be using mobile wallets, some will use a cheap external signing device with their mobile
over time I expect many if not most to move to proper bitcoin ownership, full self custody, but it will be longer than 3 years and will be motivated by increasingly burdensome regulation which will take a bit to roll out but seems inevitable
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