Calling it now, the thing that will catapult Ecash mints, L2s, side chains, and BTC as a payment method and medium of exchange in western nations, especially the US is Student loan and credit card defaults over the next 5 years +/- 2. As their Bank accounts, PayPal. Cash apps, on and on get seized or they are locked out of opening or Honeypotted by the FinTech's.
Then everyone will rush into Tether or [insert Corporate CBDC here] and gets "rugged" because they confused Crypto with BTC.
Run a node, not your keys not your cheese, air gapped hardware wallets, stay humble Stack Sats.
At what point does a black market become The Market?