@music2work2
I'm grinning, as I'm making the move from off-chain to on-chain (also I'm a white dude (though not rich! ;-p)) and I love reading pieces like this. I suspect I'm not the target market being over 50 but - while i do think it's absolutely essential to improve and smoothe out the ux and abstract the complexity - I don't see trading as the behavior that's going to light people up.
I think there'll always be trading - same way we have wall street off-chain - and yes - on-chain makes trading more accessible - but I suspect the vast majority of people won't ever care about it - same as they don't currently.
I suspect it'll have something to do with getting paid - as more people become creators but I guess we'll find out :-)