The problem as I see it that it is nothing like opening a bank account... You don’t need to understand the banking system to use a bank account. Meanwhile normal people without a serious networking/distributed systems background will not really grasp what they are doing when using bitcoin and have to resort to googling steps and following them blindly. The fact that ETH gas prices are going through the roof because of Defi would be a huge leak in the abstraction for something like a bank.