The "average user" is exactly what I don't want. they can go play in average land with stocks and bonds. Bitcoin got to 5k without em and I love that bitcoin is confusing and unpolished it keeps the riff raff out who need someone to make things "safe" for them and pave the way and destroy the volatility.
So many love crypto but then clamor for "average users" they don't realize that by doing so they are just going to have stocks bonds etc. The big players don't get involved in things they cant control, that's not how they roll.
The issue isn't for Bitcoin really, it is for whatever the big fellas decide to do in the future because they may be able to replace their own outdated practices with their own chains and rules and then start cutting all ties with n'non-approved' chains. At some point I think, Bitcoin and alts become useless if there is no way to buy products. Lamborghini may not accept it.
Average people are idiots. They will back what they know and repeat what they know. This is why most of the innovation centres on doing what has already been done, except fantastically, on the blockchain.