we have a few generations of "adults" who think their money is a credit/debit card and consider cash a boomer thing
most people have no sovereign money, nothing but a credit created by the government - you're delusional if you expect these specimens of homo domesticus to mentally switch to self-hosted money and take over the responsibility for it - existence of any solution (especially non-custodial) improving this sad status quo is a positive thing despite we would never use it ourselves