complicated question given the unpredictable future usage patterns for bitcoin. as bitcoin decouples from fiat one imagines it getting harder and harder for "everyday people" to move money on chain. I argue that most people in most communities in the world don't need money like that, and these people could probably interact with the blockchain at a community or regional level rather than an individual level.

Why should we demand that people who live on less than $20/day be self-sovereign hodlers of bitcoin? We've got MUCH bigger questions to answer before we quibble over how "everyday people" can benefit from the intermediate and advanced use cases of bitcoin.