In my opinion for Bitcoin to go mainstream, it has to be regulated in some way. The average consumer barely understands the risks of using electronic money transfer services like Venmo, Zelle, Square, and the likes. With those services if you mistype a phone number or email address, it's very difficult to get your money back. And these services are part of banks that's under FDIC jurisdiction. Imagine if Bitcoin went mainstream without any regulations to protect the average consumer. People would be losing their Bitcoins everywhere! Obviously if you are reading this forum, you're not the average consumer. Think the average consumer as your grandma who still uses a flip phone.