Bitcoin is not going to be able to scale to the world's population. A more accurate expectation at least for the US is that the financial system is rebuilt on web3. Every day people will be holding stable coins pegged to the USD in their bank accounts. The average Joe will not be able to tell the difference. He can still deposit dollars into his bank account and cash checks. He can still withdraw USD, or use a debit card / credit card to buy things.

We are still in the very early days of decentralized finance.