There's nothing stopping trusted 3rd-parties (e.g. mastercard/visa) from building wrappers to hold the btc in the meantime and mitigate end-user risk (full circ

There's nothing stopping trusted 3rd-parties (e.g. mastercard/visa) from building wrappers to hold the btc in the meantime and mitigate end-user risk (full circle woo!). Definitely fewer protections from bad-actors with direct btc transactions, but that's by design (e.g. no requirement for a third party)