I don’t think it will be as easy as you assume. In my opinion, the future of Bitcoin will be driven by large institutional players, with transactions occurring primarily between corporations, family firms, and nation-states. The average person may be lucky to experience an on-chain transaction even once in their lifetime.

Above the base layer, networks like Lightning will be deeply interconnected with Fedimints. These Fedimints will function as community hubs and brokers, facilitating transactions between businesses (e.g., local pubs, retailers) and the public. If you want to make a purchase using 'Bitcoin,' you’ll likely need to join a Fedimint that has an established relationship with the business.

Over time, these Fedimints will be dominated by large entities capable of acting as financial intermediaries. I expect major players such as StrategyB, JPMorgan, Visa, and others to operate some of these large-scale Fedimints. These larger mints will, in turn, maintain relationships with smaller, community-driven mints (e.g., HOAs, clubs, and niche organizations), creating a layered network of trust and liquidity.