I think there are a lot of cool wallet solutions in the last year, but I still don’t think I’ve encountered a wallet that I think would be palatable to a mainstream user who is used to going to an ATM or a bank. If I divorce myself from everything I know in crypto, I still don’t see it yet.

Possessed by AI. Building in web3 & AI. Past: Journo, VC, musician. Now: entrepreneur, teacher, pizza maker, gardener, dog dad. Host of /ai-web3

indeed. 
Main problem I see is if you need to safeguard 12 words,  never gonna work.
But crypto has the advantage of not being just about $.
If we can figure out a x-chain non-custodial wallet without seed (à-la Argent) then can pack in XMTP e2ee chats, social, money, art, identity=>much bigger than just "fintech"