Huge amounts of money have yet to come in. I'm talking about pension funds, teacher retirement funds and large index funds. They're not in the realm of cryptography right now, but they're just around the corner. There are two reasons. First, there is a lack of hosting services to help them provide/buy/store passwords. Second, it's too unstable for them. That has turned most of the big money going into crypto into technology-focused venture funds and some family offices.
And what does bitcoin have to offer for these funds and the involved parties? If anything, these guys would also find themselves in shambles keeping track of these things. And bitcoin is also an unstable asset so why would anyone rely their life savings and retirement funds to such that can crumble within mere minutes/hours? They surely wouldn't agree to keep their savings into that and would opt to just go with the banks no matter how the fees and terms would be.