"Crypto doesn't have users" is wrong.

Crypto has users. 

Over 560 million people worldwide now own crypto.

"But owning crypto doesn't count" - also wrong. 

Owning crypto is using crypto. 

Own is the verb crypto added to the internet - own is literally the point.

"So you're saying we're done here?"

No.

Not at all - we're maybe 5% done.

Own is just the top of the funnel for using crypto - it's barely using it. Own enables deeper verbs like Pay, Lend, Borrow, Mint. Own starts with few assets and expands to all the world's assets.

Our massive unfinished work in crypto is to bring users down the funnel. 

From owning in an ETF to owning onchain.

From 1% of their net worth in crypto to 90%.

From bank account to crypto wallets.

Everyone onchain. Everyone bankless.

We have crypto users. Next we need to convert them to crypto natives.

This is our next challenge.

But it's bascially say that crypto is and will be a financial layer. There are also people owning something in internet before, for example silicon elites. And the same thinh for crypto, most assets belong to a small amount of people. 

Every one "owns" some money, but some owns much more. Crypto is not about "own" something, it's more about fair distribution.