The legacy custodians of the fiat debt based monetary system have slyly engineered things to make it very unlikely most people will ever use Bitcoin as a MoE. Why?
Because Fiats monopoly position over MoE is the basis of its power.
Look at how SWIFT works. Look at how any monopoly/cartel works.
The classical response of a monopoly or cartel to an innovative asymmetric new competitor is either obstruction or capture and control or a combination of both...
With Bitcoin they have made sure that MoE use of Bitcoin is obstructed and to some extent captured and controlled. How?
In nearly all jurisdictions the use of Bitcoin as a MoE creates a tax reporting nightmare that very few people would ever want to impose upon themselves.
So most people who do stack Sats do so as a speculative commodity SoV investment.
So Satoshis original intention of creating a revolutionary decentralised P2P payments protocol alternative to the fiat MoE monopoly has largely, subtly been diverted.
In addition to the near universal KYC mass data surveillance of Bitcoin ownership has been achieved by only allowing a small number of CEXes banking access and thereby preventing substantial growth of KYC free DEXes.
The ETFs further subtly entrench this narrative of Bitcoin being a speculative SoV commodity rather than a MoE.
The legacy fiat debt slavery power brokers - bankers and governments - are well on their way to capturing and controlling the protocol...they have certainly successfully and slyly managed it away from its original revolutionary purpose.