You can lead a horse to water, but you can't make it drink. Look around you, people are way too eager to sell their privacy for a tiny convenience, bitcoin is not capable of changing that mindset nor is it it's job. The last mile, so to speak, for majority would be mostly centralized, but not due to some restriction or government regulations, but simply due to human laziness. But that's fine, as long there's a free market and there are million of global "last mile providers" all competing unrestrictively that people can choose between, and there's always an option to be their own provider and run their own node should they choose to. That in itself would dramatically shift the banking system, PayPal node would not even consider restricting a single transaction if they knew all their users could easily switch to tencent/yandex/EU node instantaneously with just a simple click.