Bitcoin was the result of decades of multi-disciplinary work, with a spark of genius to put it all together and get it working. The last 15 years have been relentless work by talented devs to expand the capabilities and throughput of the network.

A ton of work is being done but we are still waiting on another flash of brilliance to make ownership possible for all people.

I read about the new developments, X-chains, third layers, etc... Daily. To be honest, there is currently no prospect.

We could see the "magic" solution tomorrow... or in 20 years. The incremental improvements being made now cannot provide full custody for all people.