Agree about private keys, but I see the problem a little differently. Combustion engines are dangerous and frankly beyond the comprehension of the average pers

Agree about private keys, but I see the problem a little differently. Combustion engines are dangerous and frankly beyond the comprehension of the average person, but cars put such a heavy layer of abstraction on top of them that anyone can get a ton of utility from the combustion engine. Software and smart contracts like key escrow services will solve this problem I bet. Volatility, I don't agree with. Look at DAI, it's completely decentralized and has done a great job pegging to the dollar. With DAI you can participate in DeFi / smart contracts without ETH volatility.