Smart contract wallets may not fully replace Externally Owned Accounts (EOAs) soon but are poised to grow due to enhanced security (e.g., multi-signature, recovery) and flexibility (e.g., programmable rules, gasless txs). EOAs remain vital for simplicity, low cost, and broad compatibility. Account abstraction (ERC-4337) bridges the gap, suggesting a gradual shift rather than a complete replacement. (147 chars)

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