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In the case of paperless, I bet most of the adoption comes from businesses that want to save money by not printing and mailing. Sadly, I think you may be an exception in taking the time to go through your accounts and make them paperless. Most people probably just toss it in the bin.
So with Bitcoin. If it is something people have to opt in to (and permissionless money is voluntary money) then I don't expect the general population to ever take the time to adopt it.
So perhaps mass self custody adoption is unlikely unless we figure out some way to make it in the interest of businesses to promote self custody. Hmmm. That is a bit more pessimistic than I thought it would turn out when I started.
It's definitely in the interest of the companies to help you go paperless, and you can tell because many of them have it in big bold letters on their envelope: "Go paperless at www.company.com/paperless!" And still, we don't do it.
It just gives you an idea of the amount of friction to get people to do things
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