I think "never" is the most likely answer. Crypto's raison d'etre is being a decentralized system without any central authority. That requires you to be your o

I think "never" is the most likely answer. Crypto's raison d'etre is being a decentralized system without any central authority. That requires you to be your own bank. For most people that's just not a good tradeoff. There's no good reason why buying a coffee should expose me to a risk of losing all my money with zero recourse. That's a tradeoff that only makes sense for a small segment of people, eg, drug dealers who can't get any help from the normal system anyway. But if you fix those issues by delegating that work you're just using Coinbase or whoever as an alternative to Paypal. Yeah, technically that works but you get none of the perks crypto is supposed to provide and at that point even Paypal is a more stable place with less drama. This is because even if your interface resembles traditional systems a crypto exchange is still linked to all the instability, drama and chaos of the crypto space. Bitcoin is 14 years old and unlike aviation isn't getting any safer because the difficulty of dealing with it is inherent to the space. The whole point of it is that there's no central party in control who can force your hand, which equally means the lack of a central party in control to rescue you from your mistakes.