Biggest problem after that will be user experience, but I am currently in the Ledger Connect (now Ledger extension) Testflight beta and it makes using dApps on iOS with a hardware wallet a really good experience. No cables, no app switching, no weird abstraction barrier. The new Stax also seems like a well thought out wallet that was created with a focus on UX. Only thing I don't yet see is a good NFC integration for existing payment terminals.
I still think the industry is really early. Layer 3 is now a topic for privacy preserving user interactions which is super interesting. It doesn't then stop at being your own bank, but with it you will be able to really control your own identity without anyone standing in the way. For needing less trust sharing your data and being self sovereign. Using the chains just as a highly accessible, authorized data store.
Steam and pretty much every other regular retailer dropped Bitcoin support five years ago. The state of Bitcoin feels even more hopeless today than it did back then. It is impressive how you can run a trillion dollar pyramid scheme on just digital nothingness, but I always hoped for cryptocurrency to eventually turn into a real digital cash. Bypassing the fees and incompatibles between regular payment schemes. But none of that has happened. Bitcoin is still slow and expensive and there is hardly anything you can buy with it anyway. Worse yet, most Bitcoin still gets stored in "banks" instead of being self hosted, so it failed on the whole P2P cash thing as well.
It's impressive tech, but for all the wrong reasons.