The end game is bitcoin becomes the settlement layer for the world. Transaction costs are going way up in the future, you're not going to want to do on-chain transactions when it costs $1000+ to do so, but if you're settling a billions dollars, that's a tiny price to pay.
The fact is, whether we like it or not, very few individuals (other than those of us here) will hold private keys in 10 years. The transaction costs alone will ensure it.
**A little Saturday read inspired by your post... I will merit you, but I just dumped all my merit on Hal Finney. You can't be mad about that right?***
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Happy Saturday!
Very good post, thanks.
I hope jbreher and the other big blockers read this (I'm saying this in a positive way, not intending to offend anyone...).