@dwr

1. The average user doesn't have a crypto wallet today. 2. Users use apps. They will have balances within apps (whether they know it's a crypto wallet under the hood will be less common). 3. When they withdraw it will be to a bank account so they can spend. This will blend into cryptonative spend accounts over time, but ultimately most people will use an institution for their core financial needs. 4. web2 / fintech works for most people if they happen to have a balance in an app and need to withdraw it.

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