In my opinion it all depends on us. Right now everybody is waiting this ETF thing but we should not care about it in the first place. Bitcoin is permissionless. So why the hach we are waiting for some kind of permission? It sounds crazy to me. It seems that people have forgotten what cryptocurrencies stand for. Censorship resistance and permissionless. If banks are still here in 10 years then we will be just stupid flock of sheep.