predictions

One of my more contentious takes is that we assume a utopian world is one wallet that connects every app.

I actually believe that we will have may different wallets for many different apps.

What's unique about crypto is the ability to tie all those wallets (and their onchain history) together under one profile.

Agreed, but also the wallets need to be easily interchangable or bridged. Try explaining to someone that their value on one chain has to go through a CEX to get it over to their other wallet. If we're trying to onboard the average joe, it has to be dead ass simple to use.