I answered no because I think realistically it will always be divided. My grand mother couldn't manage her own money without a (legal) supervision for her bank account because she was being abused by her nurse. I also knew someone who had to lived with his parents because his father had dementia and would lose $5000 in cash somewhere and wouldn't remember anything. I have known someone working at Sony who had half of his brain taken after surgery. His job was to improve the UX of remote controls for old people. I think the future of hardware wallets will take the same path to make it easier to use for everyone (e.g.: improve screen size, use high-contrast, etc). In some cultures it is the woman who manages the money and the man who works. So we may find disparities between those who are more inclined to the idea of self-custody and those who prefer to delegate the control of their money based on cultural differences.